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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 | $100,262-57.7% | $81,370-47.9% | $145,897-70.9% |
| Participation rate | 100.0% | 74.3%+25.7pp | 69.5%+30.5pp | 80.3%+19.7pp |
| Annual return | 19.64% | 34.52%-14.9pp | 24.85%-5.2pp | 552.29%-532.7pp |
| Employer contribution / active EE | $3,959 | $2,979+32.9% | $2,464+60.7% | $4,663-15.1% |
| Participant deferral / active EE | $9,813 | $4,612+112.8% | $3,885+152.6% | $6,689+46.7% |
| Admin fee / account holder | $350 | $8,163-95.7% | $5,749-93.9% | $13,390-97.4% |