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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 | $41,993 | $90,400-53.5% | $186,193-77.4% | $87,485-52.0% |
| Participation rate | 100.0% | 66.2%+33.8pp | 77.1%+22.9pp | 68.9%+31.1pp |
| Annual return | 24.05% | 22.15%+1.9pp | 78.03%-54.0pp | 26.06%-2.0pp |
| Employer contribution / active EE | $2,266 | $2,170+4.4% | $3,918-42.2% | $2,596-12.7% |
| Participant deferral / active EE | $4,056 | $4,330-6.3% | $6,513-37.7% | $4,274-5.1% |
| Admin fee / account holder | $1,706 | $8,673-80.3% | $11,058-84.6% | $7,775-78.1% |