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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 | $49,803 | $78,707-36.7% | $117,861-57.7% | $70,126-29.0% |
| Participation rate | 100.0% | 73.2%+26.8pp | 79.7%+20.3pp | 69.5%+30.5pp |
| Annual return | 17.71% | 23.30%-5.6pp | 335.11%-317.4pp | 73.15%-55.4pp |
| Employer contribution / active EE | $4,845 | $2,223+117.9% | $3,786+28.0% | $2,343+106.8% |
| Participant deferral / active EE | $4,228 | $3,297+28.2% | $4,482-5.7% | $3,332+26.9% |
| Admin fee / account holder | $2,753 | $5,066-45.6% | $8,021-65.7% | $4,645-40.7% |