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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 | $54,025 | $81,331-33.6% | $155,534-65.3% | $80,935-33.2% |
| Participation rate | 100.0% | 66.3%+33.7pp | 78.2%+21.8pp | 67.7%+32.3pp |
| Annual return | 18.42% | 33.37%-14.9pp | 64.92%-46.5pp | 35.66%-17.2pp |
| Employer contribution / active EE | $4,700 | $3,105+51.4% | $4,675+0.5% | $2,757+70.5% |
| Participant deferral / active EE | $5,069 | $3,454+46.8% | $5,630-10.0% | $4,299+17.9% |
| Admin fee / account holder | $613 | $7,999-92.3% | $15,900-96.1% | $6,924-91.1% |