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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 | $53,260 | $73,988-28.0% | $96,538-44.8% | $75,177-29.2% |
| Participation rate | 100.0% | 66.4%+33.6pp | 74.3%+25.7pp | 67.2%+32.8pp |
| Annual return | 18.47% | 26.73%-8.3pp | 35.74%-17.3pp | 160.75%-142.3pp |
| Employer contribution / active EE | $3,838 | $2,930+31.0% | $3,740+2.6% | $2,671+43.7% |
| Participant deferral / active EE | $12,229 | $3,660+234.1% | $4,880+150.6% | $4,126+196.4% |
| Admin fee / account holder | $1,278 | $5,220-75.5% | $6,737-81.0% | $5,651-77.4% |