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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 | $23,824 | $65,395-63.6% | $182,558-86.9% | $72,976-67.4% |
| Participation rate | 100.0% | 65.4%+34.6pp | 78.0%+22.0pp | 69.5%+30.5pp |
| Annual return | 24.35% | 27.68%-3.3pp | 148.59%-124.2pp | 81.02%-56.7pp |
| Employer contribution / active EE | $4,545 | $1,911+137.8% | $4,076+11.5% | $2,440+86.3% |
| Participant deferral / active EE | $6,629 | $3,563+86.1% | $5,526+20.0% | $3,608+83.7% |
| Admin fee / account holder | $463 | $4,245-89.1% | $8,594-94.6% | $5,124-91.0% |