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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 | $56,940 | $62,549-9.0% | $85,705-33.6% | $85,851-33.7% |
| Participation rate | 100.0% | 61.1%+38.9pp | 69.9%+30.1pp | 69.3%+30.7pp |
| Annual return | 38.12% | 23.77%+14.3pp | 21.49%+16.6pp | 318.63%-280.5pp |
| Employer contribution / active EE | $2,516 | $1,755+43.3% | $2,619-3.9% | $2,565-1.9% |
| Participant deferral / active EE | $3,011 | $2,802+7.4% | $3,924-23.3% | $3,952-23.8% |
| Admin fee / account holder | $5,314 | $4,644+14.4% | $6,877-22.7% | $6,261-15.1% |