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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 | $53,262 | $71,230-25.2% | $93,727-43.2% | $80,959-34.2% |
| Participation rate | 100.0% | 60.4%+39.6pp | 68.7%+31.3pp | 67.7%+32.3pp |
| Annual return | 14.62% | 11.26%+3.4pp | 133.83%-119.2pp | 35.67%-21.0pp |
| Employer contribution / active EE | $2,537 | $1,565+62.1% | $2,421+4.8% | $2,757-8.0% |
| Participant deferral / active EE | $4,731 | $4,037+17.2% | $4,417+7.1% | $4,300+10.0% |
| Admin fee / account holder | $4,101 | $6,961-41.1% | $8,292-50.5% | $6,925-40.8% |