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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 | $27,866 | $165,939-83.2% | $122,354-77.2% | $147,586-81.1% |
| Participation rate | 100.0% | 79.6%+20.4pp | 71.6%+28.4pp | 82.8%+17.2pp |
| Annual return | 21.93% | 34.56%-12.6pp | 30.28%-8.4pp | 578.59%-556.7pp |
| Employer contribution / active EE | $1,454 | $5,754-74.7% | $4,051-64.1% | $4,876-70.2% |
| Participant deferral / active EE | $4,488 | $4,005+12.1% | $3,287+36.5% | $5,439-17.5% |
| Admin fee / account holder | $3,691 | $7,425-50.3% | $5,479-32.6% | $10,886-66.1% |