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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 | $42,558 | $62,672-32.1% | $185,117-77.0% | $70,126-39.3% |
| Participation rate | 100.0% | 63.8%+36.2pp | 77.3%+22.7pp | 69.5%+30.5pp |
| Annual return | 13.44% | 40.79%-27.3pp | 40.50%-27.1pp | 73.15%-59.7pp |
| Employer contribution / active EE | $4,488 | $1,753+156.0% | $4,182+7.3% | $2,343+91.6% |
| Participant deferral / active EE | $8,066 | $3,272+146.5% | $5,045+59.9% | $3,332+142.1% |
| Admin fee / account holder | $1,096 | $3,932-72.1% | $8,159-86.6% | $4,645-76.4% |