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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 | $60,409 | $78,428-23.0% | $95,960-37.0% | $79,852-24.3% |
| Participation rate | 100.0% | 73.5%+26.5pp | 77.1%+22.9pp | 69.6%+30.4pp |
| Annual return | 25.41% | 19.37%+6.0pp | 91.63%-66.2pp | 31.72%-6.3pp |
| Employer contribution / active EE | $1,249 | $1,945-35.8% | $2,541-50.9% | $2,471-49.5% |
| Participant deferral / active EE | $4,174 | $3,440+21.3% | $4,167+0.2% | $3,740+11.6% |
| Admin fee / account holder | $3,709 | $5,622-34.0% | $6,797-45.4% | $5,306-30.1% |