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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 | $45,794 | $58,627-21.9% | $76,735-40.3% | $82,448-44.5% |
| Participation rate | 100.0% | 63.2%+36.8pp | 69.5%+30.5pp | 68.1%+31.9pp |
| Annual return | 17.13% | 39.10%-22.0pp | 29.77%-12.6pp | 41.64%-24.5pp |
| Employer contribution / active EE | $3,645 | $1,729+110.8% | $2,454+48.5% | $2,551+42.9% |
| Participant deferral / active EE | $5,958 | $3,134+90.1% | $4,088+45.7% | $4,139+43.9% |
| Admin fee / account holder | $1,640 | $5,323-69.2% | $7,189-77.2% | $7,234-77.3% |