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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 | $29,648 | $157,296-81.2% | $141,191-79.0% | $152,897-80.6% |
| Participation rate | 100.0% | 84.8%+15.2pp | 82.5%+17.5pp | 82.5%+17.5pp |
| Annual return | 28.86% | 64.34%-35.5pp | 71.41%-42.5pp | 345.43%-316.6pp |
| Employer contribution / active EE | $3,792 | $5,262-27.9% | $4,736-19.9% | $4,764-20.4% |
| Participant deferral / active EE | $15,087 | $7,111+112.2% | $6,710+124.8% | $5,851+157.8% |
| Admin fee / account holder | $677 | $12,125-94.4% | $10,264-93.4% | $11,599-94.2% |