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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 | $39,103 | $124,980-68.7% | $108,359-63.9% | $154,746-74.7% |
| Participation rate | 100.0% | 75.2%+24.8pp | 70.1%+29.9pp | 80.7%+19.3pp |
| Annual return | 18.68% | 45.00%-26.3pp | 36.89%-18.2pp | 172.34%-153.7pp |
| Employer contribution / active EE | $8,656 | $2,851+203.7% | $2,399+260.7% | $4,379+97.7% |
| Participant deferral / active EE | $4,318 | $4,743-9.0% | $4,137+4.4% | $6,730-35.8% |
| Admin fee / account holder | $4,018 | $11,502-65.1% | $9,741-58.7% | $14,365-72.0% |