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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 | $35,780 | $65,395-45.3% | $182,558-80.4% | $72,976-51.0% |
| Participation rate | 100.0% | 65.4%+34.6pp | 78.0%+22.0pp | 69.5%+30.5pp |
| Annual return | 31.30% | 27.68%+3.6pp | 148.59%-117.3pp | 81.02%-49.7pp |
| Employer contribution / active EE | $4,654 | $1,911+143.5% | $4,076+14.2% | $2,440+90.7% |
| Participant deferral / active EE | $3,535 | $3,563-0.8% | $5,526-36.0% | $3,608-2.0% |
| Admin fee / account holder | $1,182 | $4,245-72.1% | $8,594-86.2% | $5,124-76.9% |