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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 | $35,882 | $72,027-50.2% | $185,861-80.7% | $79,856-55.1% |
| Participation rate | 100.0% | 65.8%+34.2pp | 78.0%+22.0pp | 69.6%+30.4pp |
| Annual return | 22.12% | 23.13%-1.0pp | 35.96%-13.8pp | 31.71%-9.6pp |
| Employer contribution / active EE | $5,281 | $1,965+168.7% | $4,088+29.2% | $2,471+113.7% |
| Participant deferral / active EE | $4,583 | $3,780+21.3% | $5,634-18.7% | $3,741+22.5% |
| Admin fee / account holder | $2,013 | $4,513-55.4% | $9,503-78.8% | $5,306-62.1% |