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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 | $65,255 | $89,367-27.0% | $141,191-53.8% | $72,975-10.6% |
| Participation rate | 100.0% | 75.1%+24.9pp | 82.5%+17.5pp | 69.5%+30.5pp |
| Annual return | 21.30% | 111.87%-90.6pp | 71.41%-50.1pp | 81.01%-59.7pp |
| Employer contribution / active EE | $3,545 | $3,115+13.8% | $4,736-25.2% | $2,440+45.3% |
| Participant deferral / active EE | $5,501 | $5,419+1.5% | $6,710-18.0% | $3,608+52.5% |
| Admin fee / account holder | $4,136 | $5,957-30.6% | $10,264-59.7% | $5,124-19.3% |