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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 | $44,314 | $76,407-42.0% | $150,298-70.5% | $82,448-46.3% |
| Participation rate | 100.0% | 66.4%+33.6pp | 77.8%+22.2pp | 68.1%+31.9pp |
| Annual return | 19.01% | 39.99%-21.0pp | 62.79%-43.8pp | 41.64%-22.6pp |
| Employer contribution / active EE | $2,758 | $2,614+5.5% | $4,154-33.6% | $2,551+8.1% |
| Participant deferral / active EE | $4,722 | $3,214+46.9% | $5,453-13.4% | $4,139+14.1% |
| Admin fee / account holder | $993 | $6,352-84.4% | $14,116-93.0% | $7,234-86.3% |