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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 | $52,922 | $81,262-34.9% | $155,602-66.0% | $80,911-34.6% |
| Participation rate | 100.0% | 66.2%+33.8pp | 78.2%+21.8pp | 67.6%+32.4pp |
| Annual return | 15.79% | 33.34%-17.6pp | 64.81%-49.0pp | 35.63%-19.8pp |
| Employer contribution / active EE | $3,208 | $3,102+3.4% | $4,675-31.4% | $2,756+16.4% |
| Participant deferral / active EE | $8,847 | $3,451+156.3% | $5,629+57.2% | $4,297+105.9% |
| Admin fee / account holder | $14,241 | $7,992+78.2% | $15,923-10.6% | $6,935+105.4% |