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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 | $72,825 | $111,535-34.7% | $105,223-30.8% | $137,256-46.9% |
| Participation rate | 100.0% | 78.1%+21.9pp | 75.0%+25.0pp | 80.0%+20.0pp |
| Annual return | 17.34% | 237.85%-220.5pp | 180.65%-163.3pp | 220.34%-203.0pp |
| Employer contribution / active EE | $1,898 | $3,939-51.8% | $3,689-48.5% | $4,156-54.3% |
| Participant deferral / active EE | $3,107 | $5,500-43.5% | $5,072-38.7% | $6,407-51.5% |
| Admin fee / account holder | $443 | $9,721-95.4% | $8,859-95.0% | $12,270-96.4% |