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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 | $42,385 | $100,147-57.7% | $81,286-47.9% | $145,877-70.9% |
| Participation rate | 100.0% | 74.2%+25.8pp | 69.5%+30.5pp | 80.3%+19.7pp |
| Annual return | 19.64% | 34.44%-14.8pp | 24.80%-5.2pp | 551.28%-531.6pp |
| Employer contribution / active EE | $3,959 | $2,977+33.0% | $2,463+60.7% | $4,663-15.1% |
| Participant deferral / active EE | $9,813 | $4,607+113.0% | $3,883+152.7% | $6,691+46.7% |
| Admin fee / account holder | $350 | $8,201-95.7% | $5,764-93.9% | $13,402-97.4% |