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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 | $44,951 | $78,428-42.7% | $95,960-53.2% | $79,852-43.7% |
| Participation rate | 100.0% | 73.5%+26.5pp | 77.1%+22.9pp | 69.6%+30.4pp |
| Annual return | 17.50% | 19.37%-1.9pp | 91.63%-74.1pp | 31.72%-14.2pp |
| Employer contribution / active EE | $5,183 | $1,945+166.4% | $2,541+104.0% | $2,471+109.7% |
| Participant deferral / active EE | $4,526 | $3,440+31.6% | $4,167+8.6% | $3,740+21.0% |
| Admin fee / account holder | $2,440 | $5,622-56.6% | $6,797-64.1% | $5,306-54.0% |