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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 | $45,101 | $84,236-46.5% | $170,435-73.5% | $70,126-35.7% |
| Participation rate | 100.0% | 70.8%+29.2pp | 83.6%+16.4pp | 69.5%+30.5pp |
| Annual return | 14.57% | 23.06%-8.5pp | 205.94%-191.4pp | 73.15%-58.6pp |
| Employer contribution / active EE | $4,926 | $3,387+45.4% | $5,432-9.3% | $2,343+110.3% |
| Participant deferral / active EE | $3,420 | $3,086+10.8% | $4,939-30.8% | $3,332+2.6% |
| Admin fee / account holder | $525 | $5,698-90.8% | $13,881-96.2% | $4,645-88.7% |