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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 | $25,024 | $111,535-77.6% | $105,223-76.2% | $137,256-81.8% |
| Participation rate | 100.0% | 78.1%+21.9pp | 75.0%+25.0pp | 80.0%+20.0pp |
| Annual return | 17.80% | 237.85%-220.1pp | 180.65%-162.9pp | 220.34%-202.5pp |
| Employer contribution / active EE | $1,401 | $3,939-64.4% | $3,689-62.0% | $4,156-66.3% |
| Participant deferral / active EE | $3,675 | $5,500-33.2% | $5,072-27.5% | $6,407-42.6% |
| Admin fee / account holder | $1,313 | $9,721-86.5% | $8,859-85.2% | $12,270-89.3% |