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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 | $31,322 | $117,895-73.4% | $102,460-69.4% | $145,897-78.5% |
| Participation rate | 100.0% | 78.6%+21.4pp | 76.5%+23.5pp | 80.3%+19.7pp |
| Annual return | 12.30% | 31.92%-19.6pp | 29.47%-17.2pp | 552.29%-540.0pp |
| Employer contribution / active EE | $2,565 | $3,619-29.1% | $3,025-15.2% | $4,663-45.0% |
| Participant deferral / active EE | $4,792 | $5,736-16.5% | $5,056-5.2% | $6,689-28.4% |
| Admin fee / account holder | $586 | $13,353-95.6% | $9,460-93.8% | $13,390-95.6% |