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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 | $45,233 | $101,063-55.2% | $81,473-44.5% | $147,586-69.4% |
| Participation rate | 100.0% | 74.5%+25.5pp | 68.0%+32.0pp | 82.8%+17.2pp |
| Annual return | 22.30% | 32.41%-10.1pp | 38.78%-16.5pp | 578.59%-556.3pp |
| Employer contribution / active EE | $4,870 | $3,206+51.9% | $2,568+89.6% | $4,876-0.1% |
| Participant deferral / active EE | $4,585 | $4,242+8.1% | $3,537+29.6% | $5,439-15.7% |
| Admin fee / account holder | $575 | $5,812-90.1% | $4,561-87.4% | $10,886-94.7% |