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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 | $47,263 | $65,361-27.7% | $92,903-49.1% | $72,983-35.2% |
| Participation rate | 100.0% | 68.3%+31.7pp | 76.0%+24.0pp | 69.5%+30.5pp |
| Annual return | 26.95% | 42.11%-15.2pp | 109.43%-82.5pp | 81.01%-54.1pp |
| Employer contribution / active EE | $2,342 | $2,594-9.7% | $3,653-35.9% | $2,440-4.0% |
| Participant deferral / active EE | $5,601 | $3,128+79.0% | $4,238+32.2% | $3,608+55.3% |
| Admin fee / account holder | $1,802 | $4,251-57.6% | $5,795-68.9% | $5,124-64.8% |