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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 | $74,380 | $96,524-22.9% | $75,900-2.0% | $152,909-51.4% |
| Participation rate | 100.0% | 76.2%+23.8pp | 69.3%+30.7pp | 82.5%+17.5pp |
| Annual return | 25.04% | 33.93%-8.9pp | 30.73%-5.7pp | 345.46%-320.4pp |
| Employer contribution / active EE | $0 | $3,311-100.0% | $2,501-100.0% | $4,764-100.0% |
| Participant deferral / active EE | $4,777 | $4,554+4.9% | $3,604+32.6% | $5,851-18.4% |
| Admin fee / account holder | $3,281 | $8,082-59.4% | $5,421-39.5% | $11,601-71.7% |