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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 | $44,066 | $81,487-45.9% | $102,412-57.0% | $80,935-45.6% |
| Participation rate | 100.0% | 66.8%+33.2pp | 74.5%+25.5pp | 67.7%+32.3pp |
| Annual return | 10.84% | 25.60%-14.8pp | 24.94%-14.1pp | 35.66%-24.8pp |
| Employer contribution / active EE | $5,760 | $3,103+85.6% | $3,870+48.8% | $2,757+108.9% |
| Participant deferral / active EE | $2,027 | $3,871-47.6% | $5,060-60.0% | $4,299-52.9% |
| Admin fee / account holder | $363 | $6,717-94.6% | $8,388-95.7% | $6,924-94.8% |