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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 | $47,762 | $77,638-38.5% | $156,551-69.5% | $62,881-24.0% |
| Participation rate | 100.0% | 71.2%+28.8pp | 84.0%+16.0pp | 69.3%+30.7pp |
| Annual return | 7.55% | 50.33%-42.8pp | 32.23%-24.7pp | 20.14%-12.6pp |
| Employer contribution / active EE | $4,352 | $3,444+26.4% | $5,501-20.9% | $2,281+90.8% |
| Participant deferral / active EE | $4,028 | $3,046+32.3% | $4,871-17.3% | $3,203+25.8% |
| Admin fee / account holder | $1,817 | $5,561-67.3% | $13,028-86.1% | $4,296-57.7% |