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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 | $91,086-53.9% | $203,872-79.4% | $86,983-51.7% |
| Participation rate | 100.0% | 65.8%+34.2pp | 77.8%+22.2pp | 69.5%+30.5pp |
| Annual return | 24.05% | 22.30%+1.7pp | 85.11%-61.1pp | 25.83%-1.8pp |
| Employer contribution / active EE | $2,266 | $2,063+9.8% | $3,757-39.7% | $2,584-12.3% |
| Participant deferral / active EE | $4,056 | $4,019+0.9% | $6,388-36.5% | $4,194-3.3% |
| Admin fee / account holder | $1,706 | $8,987-81.0% | $11,730-85.5% | $7,856-78.3% |