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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 | $50,546 | $105,284-52.0% | $150,734-66.5% | $94,015-46.2% |
| Participation rate | 100.0% | 71.7%+28.3pp | 78.4%+21.6pp | 70.8%+29.2pp |
| Annual return | 13.88% | 15.67%-1.8pp | 600.81%-586.9pp | 17.84%-4.0pp |
| Employer contribution / active EE | $2,532 | $3,599-29.6% | $4,918-48.5% | $2,790-9.2% |
| Participant deferral / active EE | $5,655 | $4,274+32.3% | $5,610+0.8% | $4,249+33.1% |
| Admin fee / account holder | $2,087 | $9,839-78.8% | $14,905-86.0% | $8,951-76.7% |