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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 | $49,689 | $85,060-41.6% | $70,548-29.6% | $139,456-64.4% |
| Participation rate | 100.0% | 73.9%+26.1pp | 68.3%+31.7pp | 80.3%+19.7pp |
| Annual return | 20.43% | 30.38%-9.9pp | 32.78%-12.3pp | 373.45%-353.0pp |
| Employer contribution / active EE | $3,745 | $3,911-4.3% | $2,975+25.9% | $4,753-21.2% |
| Participant deferral / active EE | $4,745 | $5,890-19.4% | $4,567+3.9% | $6,711-29.3% |
| Admin fee / account holder | $2,939 | $8,925-67.1% | $6,424-54.3% | $11,407-74.2% |