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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 | $45,525 | $100,125-54.5% | $81,482-44.1% | $145,978-68.8% |
| Participation rate | 100.0% | 74.2%+25.8pp | 69.5%+30.5pp | 80.3%+19.7pp |
| Annual return | 14.63% | 34.44%-19.8pp | 24.79%-10.2pp | 550.52%-535.9pp |
| Employer contribution / active EE | $2,921 | $2,977-1.9% | $2,463+18.6% | $4,662-37.3% |
| Participant deferral / active EE | $9,710 | $4,609+110.7% | $3,885+149.9% | $6,690+45.1% |
| Admin fee / account holder | $347 | $8,198-95.8% | $5,761-94.0% | $13,400-97.4% |