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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 | $81,449 | $228,352-64.3% | $185,827-56.2% | $158,950-48.8% |
| Participation rate | 100.0% | 82.3%+17.7pp | 78.0%+22.0pp | 82.0%+18.0pp |
| Annual return | 24.36% | 40.81%-16.4pp | 35.96%-11.6pp | 302.91%-278.5pp |
| Employer contribution / active EE | $2,438 | $4,967-50.9% | $4,087-40.4% | $4,762-48.8% |
| Participant deferral / active EE | $22,750 | $6,416+254.6% | $5,633+303.9% | $5,983+280.3% |
| Admin fee / account holder | $438 | $11,867-96.3% | $9,502-95.4% | $11,248-96.1% |