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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 | $117,859-73.4% | $102,438-69.4% | $145,959-78.5% |
| Participation rate | 100.0% | 78.6%+21.4pp | 76.5%+23.5pp | 80.3%+19.7pp |
| Annual return | 12.30% | 31.72%-19.4pp | 29.37%-17.1pp | 561.95%-549.6pp |
| Employer contribution / active EE | $2,565 | $3,615-29.1% | $3,024-15.2% | $4,661-45.0% |
| Participant deferral / active EE | $4,792 | $5,732-16.4% | $5,054-5.2% | $6,689-28.3% |
| Admin fee / account holder | $586 | $13,318-95.6% | $9,448-93.8% | $13,398-95.6% |