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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 | $50,808 | $54,763-7.2% | $90,324-43.7% | $72,976-30.4% |
| Participation rate | 100.0% | 65.2%+34.8pp | 73.3%+26.7pp | 69.5%+30.5pp |
| Annual return | 17.88% | 30.63%-12.8pp | 78.15%-60.3pp | 81.02%-63.1pp |
| Employer contribution / active EE | $4,179 | $2,093+99.7% | $2,856+46.3% | $2,440+71.3% |
| Participant deferral / active EE | $4,086 | $2,887+41.5% | $3,885+5.2% | $3,608+13.3% |
| Admin fee / account holder | $2,398 | $3,973-39.7% | $5,356-55.2% | $5,124-53.2% |