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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 | $43,516 | $215,361-79.8% | $171,082-74.6% | $273,972-84.1% |
| Participation rate | 100.0% | 82.0%+18.0pp | 76.7%+23.3pp | 83.0%+17.0pp |
| Annual return | 8.31% | 25.14%-16.8pp | 32.56%-24.2pp | 41.46%-33.1pp |
| Employer contribution / active EE | $3,156 | $4,967-36.5% | $4,002-21.1% | $4,869-35.2% |
| Participant deferral / active EE | $12,623 | $5,543+127.7% | $4,797+163.1% | $5,287+138.7% |
| Admin fee / account holder | $5,000 | $10,846-53.9% | $8,520-41.3% | $10,133-50.7% |