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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 | $16,024 | $114,119-86.0% | $107,187-85.1% | $138,895-88.5% |
| Participation rate | 100.0% | 78.1%+21.9pp | 75.0%+25.0pp | 79.9%+20.1pp |
| Annual return | 22.91% | 273.21%-250.3pp | 204.55%-181.6pp | 145.39%-122.5pp |
| Employer contribution / active EE | $3,249 | $4,059-19.9% | $3,782-14.1% | $4,194-22.5% |
| Participant deferral / active EE | $4,344 | $5,538-21.6% | $5,096-14.8% | $6,396-32.1% |
| Admin fee / account holder | $2,165 | $10,024-78.4% | $9,162-76.4% | $12,562-82.8% |