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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 | $40,613 | $65,367-37.9% | $92,915-56.3% | $72,976-44.3% |
| Participation rate | 100.0% | 68.3%+31.7pp | 76.0%+24.0pp | 69.5%+30.5pp |
| Annual return | 19.99% | 42.11%-22.1pp | 109.45%-89.5pp | 81.02%-61.0pp |
| Employer contribution / active EE | $4,967 | $2,594+91.5% | $3,653+36.0% | $2,440+103.6% |
| Participant deferral / active EE | $4,288 | $3,128+37.1% | $4,238+1.2% | $3,608+18.9% |
| Admin fee / account holder | $2,071 | $4,251-51.3% | $5,796-64.3% | $5,124-59.6% |