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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 | $25,474 | $77,638-67.2% | $156,551-83.7% | $62,881-59.5% |
| Participation rate | 100.0% | 71.2%+28.8pp | 84.0%+16.0pp | 69.3%+30.7pp |
| Annual return | 7.01% | 50.33%-43.3pp | 32.23%-25.2pp | 20.14%-13.1pp |
| Employer contribution / active EE | $3,937 | $3,444+14.3% | $5,501-28.4% | $2,281+72.6% |
| Participant deferral / active EE | $4,939 | $3,046+62.2% | $4,871+1.4% | $3,203+54.2% |
| Admin fee / account holder | $512 | $5,561-90.8% | $13,028-96.1% | $4,296-88.1% |