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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 | $68,998 | $89,364-22.8% | $141,177-51.1% | $72,983-5.5% |
| Participation rate | 100.0% | 75.1%+24.9pp | 82.5%+17.5pp | 69.5%+30.5pp |
| Annual return | 22.18% | 111.86%-89.7pp | 71.40%-49.2pp | 81.01%-58.8pp |
| Employer contribution / active EE | $1,903 | $3,115-38.9% | $4,736-59.8% | $2,440-22.0% |
| Participant deferral / active EE | $4,759 | $5,419-12.2% | $6,710-29.1% | $3,608+31.9% |
| Admin fee / account holder | $1,942 | $5,959-67.4% | $10,263-81.1% | $5,124-62.1% |