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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 | $23,532 | $165,381-85.8% | $149,730-84.3% | $158,966-85.2% |
| Participation rate | 100.0% | 84.6%+15.4pp | 82.5%+17.5pp | 82.0%+18.0pp |
| Annual return | 8.18% | 348.29%-340.1pp | 276.70%-268.5pp | 302.95%-294.8pp |
| Employer contribution / active EE | $2,756 | $5,104-46.0% | $4,645-40.7% | $4,762-42.1% |
| Participant deferral / active EE | $12,861 | $7,182+79.1% | $6,843+88.0% | $5,983+115.0% |
| Admin fee / account holder | $2,324 | $10,809-78.5% | $9,310-75.0% | $11,250-79.3% |