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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 | $29,004 | $111,535-74.0% | $105,223-72.4% | $137,256-78.9% |
| Participation rate | 100.0% | 78.1%+21.9pp | 75.0%+25.0pp | 80.0%+20.0pp |
| Annual return | 12.14% | 237.85%-225.7pp | 180.65%-168.5pp | 220.34%-208.2pp |
| Employer contribution / active EE | $1,952 | $3,939-50.5% | $3,689-47.1% | $4,156-53.0% |
| Participant deferral / active EE | $8,853 | $5,500+61.0% | $5,072+74.5% | $6,407+38.2% |
| Admin fee / account holder | $530 | $9,721-94.5% | $8,859-94.0% | $12,270-95.7% |