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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 | $52,337 | $81,358-35.7% | $155,556-66.4% | $80,959-35.4% |
| Participation rate | 100.0% | 66.3%+33.7pp | 78.2%+21.8pp | 67.7%+32.3pp |
| Annual return | 14.18% | 33.39%-19.2pp | 64.84%-50.7pp | 35.67%-21.5pp |
| Employer contribution / active EE | $4,657 | $3,106+49.9% | $4,675-0.4% | $2,757+68.9% |
| Participant deferral / active EE | $4,936 | $3,455+42.8% | $5,631-12.3% | $4,300+14.8% |
| Admin fee / account holder | $399 | $7,994-95.0% | $15,885-97.5% | $6,925-94.2% |