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Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $35,931 | $111,535-67.8% | $105,223-65.9% | $137,256-73.8% |
| Participation rate | 100.0% | 78.1%+21.9pp | 75.0%+25.0pp | 80.0%+20.0pp |
| Annual return | 15.52% | 237.85%-222.3pp | 180.65%-165.1pp | 220.34%-204.8pp |
| Employer contribution / active EE | $3,414 | $3,939-13.3% | $3,689-7.5% | $4,156-17.9% |
| Participant deferral / active EE | $7,957 | $5,500+44.7% | $5,072+56.9% | $6,407+24.2% |
| Admin fee / account holder | $334 | $9,721-96.6% | $8,859-96.2% | $12,270-97.3% |