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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 | $51,044 | $78,428-34.9% | $95,960-46.8% | $79,852-36.1% |
| Participation rate | 100.0% | 73.5%+26.5pp | 77.1%+22.9pp | 69.6%+30.4pp |
| Annual return | 29.27% | 19.37%+9.9pp | 91.63%-62.4pp | 31.72%-2.4pp |
| Employer contribution / active EE | $2,554 | $1,945+31.3% | $2,541+0.5% | $2,471+3.3% |
| Participant deferral / active EE | $5,017 | $3,440+45.9% | $4,167+20.4% | $3,740+34.1% |
| Admin fee / account holder | $851 | $5,622-84.9% | $6,797-87.5% | $5,306-84.0% |