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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 | $42,207 | $48,327-12.7% | $67,575-37.5% | $80,935-47.9% |
| Participation rate | 100.0% | 66.4%+33.6pp | 72.9%+27.1pp | 67.7%+32.3pp |
| Annual return | 16.24% | 18.31%-2.1pp | 3528.98%-3512.7pp | 35.66%-19.4pp |
| Employer contribution / active EE | $4,097 | $2,022+102.6% | $2,736+49.8% | $2,757+48.6% |
| Participant deferral / active EE | $4,513 | $2,927+54.2% | $4,003+12.7% | $4,299+5.0% |
| Admin fee / account holder | $1,162 | $3,692-68.5% | $3,993-70.9% | $6,924-83.2% |