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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 | $61,369 | $111,535-45.0% | $105,223-41.7% | $137,256-55.3% |
| Participation rate | 100.0% | 78.1%+21.9pp | 75.0%+25.0pp | 80.0%+20.0pp |
| Annual return | 17.12% | 237.85%-220.7pp | 180.65%-163.5pp | 220.34%-203.2pp |
| Employer contribution / active EE | $2,984 | $3,939-24.3% | $3,689-19.1% | $4,156-28.2% |
| Participant deferral / active EE | $7,452 | $5,500+35.5% | $5,072+46.9% | $6,407+16.3% |
| Admin fee / account holder | $403 | $9,721-95.9% | $8,859-95.4% | $12,270-96.7% |