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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 | $39,440 | $115,901-66.0% | $100,525-60.8% | $158,931-75.2% |
| Participation rate | 100.0% | 81.6%+18.4pp | 79.4%+20.6pp | 82.0%+18.0pp |
| Annual return | 16.33% | 34.80%-18.5pp | 30.89%-14.6pp | 302.86%-286.5pp |
| Employer contribution / active EE | $4,677 | $4,104+14.0% | $3,418+36.8% | $4,761-1.8% |
| Participant deferral / active EE | $2,119 | $6,675-68.3% | $6,270-66.2% | $5,982-64.6% |
| Admin fee / account holder | $3,051 | $10,998-72.3% | $8,082-62.3% | $11,247-72.9% |