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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 | $34,799 | $91,559-62.0% | $133,971-74.0% | $79,852-56.4% |
| Participation rate | 100.0% | 73.3%+26.7pp | 79.8%+20.2pp | 69.6%+30.4pp |
| Annual return | 14.10% | 61.85%-47.8pp | 45.09%-31.0pp | 31.72%-17.6pp |
| Employer contribution / active EE | $2,146 | $2,384-10.0% | $3,919-45.2% | $2,471-13.2% |
| Participant deferral / active EE | $5,372 | $3,734+43.9% | $5,047+6.4% | $3,740+43.6% |
| Admin fee / account holder | $8,376 | $6,321+32.5% | $8,929-6.2% | $5,306+57.9% |