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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 | $41,332 | $108,825-62.0% | $156,181-73.5% | $82,448-49.9% |
| Participation rate | 100.0% | 72.4%+27.6pp | 78.8%+21.2pp | 68.1%+31.9pp |
| Annual return | 18.17% | 20.59%-2.4pp | 64.87%-46.7pp | 41.64%-23.5pp |
| Employer contribution / active EE | $2,807 | $2,870-2.2% | $4,294-34.6% | $2,551+10.0% |
| Participant deferral / active EE | $4,415 | $4,577-3.6% | $6,132-28.0% | $4,139+6.7% |
| Admin fee / account holder | $2,485 | $9,341-73.4% | $14,586-83.0% | $7,234-65.6% |