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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 | $62,887 | $103,392-39.2% | $87,104-27.8% | $152,897-58.9% |
| Participation rate | 100.0% | 79.4%+20.6pp | 76.9%+23.1pp | 82.5%+17.5pp |
| Annual return | 18.85% | 28.10%-9.3pp | 28.19%-9.3pp | 345.43%-326.6pp |
| Employer contribution / active EE | $4,809 | $3,221+49.3% | $2,521+90.7% | $4,764+1.0% |
| Participant deferral / active EE | $4,139 | $4,778-13.4% | $4,048+2.2% | $5,851-29.3% |
| Admin fee / account holder | $1,219 | $12,194-90.0% | $7,491-83.7% | $11,599-89.5% |