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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 | $36,697 | $142,354-74.2% | $125,529-70.8% | $155,188-76.4% |
| Participation rate | 100.0% | 78.1%+21.9pp | 74.7%+25.3pp | 80.8%+19.2pp |
| Annual return | 16.06% | 306.06%-290.0pp | 202.56%-186.5pp | 148.84%-132.8pp |
| Employer contribution / active EE | $1,297 | $3,501-63.0% | $3,058-57.6% | $4,248-69.5% |
| Participant deferral / active EE | $5,049 | $5,491-8.1% | $4,813+4.9% | $6,531-22.7% |
| Admin fee / account holder | $3,976 | $19,392-79.5% | $16,298-75.6% | $14,480-72.5% |