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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 | $41,904 | $93,598-55.2% | $135,974-69.2% | $75,173-44.3% |
| Participation rate | 100.0% | 75.2%+24.8pp | 81.9%+18.1pp | 67.2%+32.8pp |
| Annual return | 24.49% | 30.89%-6.4pp | 68.30%-43.8pp | 160.72%-136.2pp |
| Employer contribution / active EE | $5,044 | $3,538+42.6% | $4,859+3.8% | $2,671+88.9% |
| Participant deferral / active EE | $9,956 | $6,405+55.4% | $7,760+28.3% | $4,126+141.3% |
| Admin fee / account holder | $1,745 | $6,978-75.0% | $10,767-83.8% | $5,651-69.1% |