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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 | $45,329 | $54,541-16.9% | $78,778-42.5% | $70,126-35.4% |
| Participation rate | 100.0% | 60.8%+39.2pp | 69.2%+30.8pp | 69.5%+30.5pp |
| Annual return | 26.21% | 21.07%+5.1pp | 35.62%-9.4pp | 73.15%-46.9pp |
| Employer contribution / active EE | $4,106 | $1,089+277.2% | $1,986+106.8% | $2,343+75.3% |
| Participant deferral / active EE | $6,298 | $2,210+184.9% | $2,958+112.9% | $3,332+89.0% |
| Admin fee / account holder | $1,466 | $3,709-60.5% | $5,134-71.5% | $4,645-68.5% |