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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 | $27,126 | $123,155-78.0% | $108,753-75.1% | $155,188-82.5% |
| Participation rate | 100.0% | 75.6%+24.4pp | 71.1%+28.9pp | 80.8%+19.2pp |
| Annual return | 19.48% | 44.73%-25.3pp | 37.47%-18.0pp | 148.84%-129.4pp |
| Employer contribution / active EE | $2,945 | $2,811+4.7% | $2,427+21.4% | $4,248-30.7% |
| Participant deferral / active EE | $3,681 | $4,623-20.4% | $4,115-10.5% | $6,531-43.6% |
| Admin fee / account holder | $4,185 | $12,126-65.5% | $10,320-59.4% | $14,480-71.1% |