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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 | $47,309 | $85,171-44.5% | $172,752-72.6% | $72,975-35.2% |
| Participation rate | 100.0% | 70.1%+29.9pp | 82.6%+17.4pp | 69.5%+30.5pp |
| Annual return | 18.99% | 27.32%-8.3pp | 802.97%-784.0pp | 81.01%-62.0pp |
| Employer contribution / active EE | $3,497 | $3,324+5.2% | $5,144-32.0% | $2,440+43.3% |
| Participant deferral / active EE | $3,534 | $3,260+8.4% | $5,198-32.0% | $3,608-2.0% |
| Admin fee / account holder | $1,390 | $5,880-76.4% | $13,955-90.0% | $5,124-72.9% |