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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 | $71,197-25.2% | $93,669-43.1% | $80,925-34.2% |
| Participation rate | 100.0% | 60.4%+39.6pp | 68.7%+31.3pp | 67.7%+32.3pp |
| Annual return | 14.62% | 11.27%+3.4pp | 133.59%-119.0pp | 35.65%-21.0pp |
| Employer contribution / active EE | $2,537 | $1,565+62.1% | $2,424+4.7% | $2,756-8.0% |
| Participant deferral / active EE | $4,731 | $4,036+17.2% | $4,416+7.2% | $4,299+10.1% |
| Admin fee / account holder | $4,101 | $6,959-41.1% | $8,291-50.5% | $6,940-40.9% |