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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 | $59,376 | $91,559-35.1% | $133,971-55.7% | $79,852-25.6% |
| Participation rate | 100.0% | 73.3%+26.7pp | 79.8%+20.2pp | 69.6%+30.4pp |
| Annual return | 21.57% | 61.85%-40.3pp | 45.09%-23.5pp | 31.72%-10.2pp |
| Employer contribution / active EE | $2,723 | $2,384+14.2% | $3,919-30.5% | $2,471+10.2% |
| Participant deferral / active EE | $4,651 | $3,734+24.6% | $5,047-7.8% | $3,740+24.3% |
| Admin fee / account holder | $1,529 | $6,321-75.8% | $8,929-82.9% | $5,306-71.2% |