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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 | $22,598 | $117,904-80.8% | $102,457-77.9% | $145,978-84.5% |
| Participation rate | 100.0% | 78.6%+21.4pp | 76.5%+23.5pp | 80.3%+19.7pp |
| Annual return | 13.65% | 31.80%-18.1pp | 29.41%-15.8pp | 550.52%-536.9pp |
| Employer contribution / active EE | $2,997 | $3,613-17.1% | $3,022-0.8% | $4,662-35.7% |
| Participant deferral / active EE | $7,311 | $5,733+27.5% | $5,054+44.6% | $6,690+9.3% |
| Admin fee / account holder | $3,444 | $13,329-74.2% | $9,451-63.6% | $13,400-74.3% |