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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 | $60,877 | $84,236-27.7% | $170,435-64.3% | $70,126-13.2% |
| Participation rate | 100.0% | 70.8%+29.2pp | 83.6%+16.4pp | 69.5%+30.5pp |
| Annual return | 18.14% | 23.06%-4.9pp | 205.94%-187.8pp | 73.15%-55.0pp |
| Employer contribution / active EE | $4,755 | $3,387+40.4% | $5,432-12.5% | $2,343+103.0% |
| Participant deferral / active EE | $4,185 | $3,086+35.6% | $4,939-15.3% | $3,332+25.6% |
| Admin fee / account holder | $727 | $5,698-87.2% | $13,881-94.8% | $4,645-84.3% |