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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 | $39,323 | $77,814-49.5% | $158,223-75.1% | $86,983-54.8% |
| Participation rate | 100.0% | 68.4%+31.6pp | 79.2%+20.8pp | 69.5%+30.5pp |
| Annual return | 12.50% | 30.54%-18.0pp | 52.09%-39.6pp | 25.83%-13.3pp |
| Employer contribution / active EE | $5,534 | $2,592+113.5% | $4,109+34.7% | $2,584+114.1% |
| Participant deferral / active EE | $4,024 | $3,270+23.1% | $5,467-26.4% | $4,194-4.0% |
| Admin fee / account holder | $761 | $5,879-87.1% | $16,047-95.3% | $7,856-90.3% |