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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 | $36,678 | $111,535-67.1% | $105,223-65.1% | $137,256-73.3% |
| Participation rate | 100.0% | 78.1%+21.9pp | 75.0%+25.0pp | 80.0%+20.0pp |
| Annual return | 16.21% | 237.85%-221.6pp | 180.65%-164.4pp | 220.34%-204.1pp |
| Employer contribution / active EE | $2,305 | $3,939-41.5% | $3,689-37.5% | $4,156-44.5% |
| Participant deferral / active EE | $3,981 | $5,500-27.6% | $5,072-21.5% | $6,407-37.9% |
| Admin fee / account holder | $324 | $9,721-96.7% | $8,859-96.3% | $12,270-97.4% |