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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 | $78,690-43.7% | $161,489-72.6% | $87,485-49.3% |
| Participation rate | 100.0% | 67.5%+32.5pp | 78.7%+21.3pp | 68.9%+31.1pp |
| Annual return | 19.01% | 32.74%-13.7pp | 89.72%-70.7pp | 26.06%-7.1pp |
| Employer contribution / active EE | $2,758 | $2,588+6.6% | $4,268-35.4% | $2,596+6.2% |
| Participant deferral / active EE | $4,722 | $3,311+42.6% | $5,630-16.1% | $4,274+10.5% |
| Admin fee / account holder | $993 | $6,724-85.2% | $16,006-93.8% | $7,775-87.2% |