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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 | $32,615 | $111,535-70.8% | $105,223-69.0% | $137,256-76.2% |
| Participation rate | 100.0% | 78.1%+21.9pp | 75.0%+25.0pp | 80.0%+20.0pp |
| Annual return | 18.62% | 237.85%-219.2pp | 180.65%-162.0pp | 220.34%-201.7pp |
| Employer contribution / active EE | $2,961 | $3,939-24.8% | $3,689-19.7% | $4,156-28.7% |
| Participant deferral / active EE | $8,091 | $5,500+47.1% | $5,072+59.5% | $6,407+26.3% |
| Admin fee / account holder | $7,415 | $9,721-23.7% | $8,859-16.3% | $12,270-39.6% |