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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 | $59,746 | $89,259-33.1% | $107,187-44.3% | $82,637-27.7% |
| Participation rate | 100.0% | 67.9%+32.1pp | 75.0%+25.0pp | 68.1%+31.9pp |
| Annual return | 18.17% | 21.02%-2.9pp | 204.55%-186.4pp | 53.51%-35.3pp |
| Employer contribution / active EE | $2,480 | $3,080-19.5% | $3,782-34.4% | $2,552-2.8% |
| Participant deferral / active EE | $6,572 | $4,037+62.8% | $5,096+29.0% | $4,126+59.3% |
| Admin fee / account holder | $966 | $7,381-86.9% | $9,162-89.5% | $7,339-86.8% |