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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 | $43,572 | $110,410-60.5% | $102,437-57.5% | $145,897-70.1% |
| Participation rate | 100.0% | 77.9%+22.1pp | 74.5%+25.5pp | 80.3%+19.7pp |
| Annual return | 19.59% | 24.85%-5.3pp | 24.95%-5.4pp | 552.29%-532.7pp |
| Employer contribution / active EE | $3,378 | $4,217-19.9% | $3,871-12.7% | $4,663-27.5% |
| Participant deferral / active EE | $12,968 | $5,622+130.7% | $5,060+156.3% | $6,689+93.9% |
| Admin fee / account holder | $642 | $9,745-93.4% | $8,388-92.3% | $13,390-95.2% |