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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 | $54,075 | $84,236-35.8% | $170,435-68.3% | $70,126-22.9% |
| Participation rate | 100.0% | 70.8%+29.2pp | 83.6%+16.4pp | 69.5%+30.5pp |
| Annual return | 17.13% | 23.06%-5.9pp | 205.94%-188.8pp | 73.15%-56.0pp |
| Employer contribution / active EE | $5,002 | $3,387+47.7% | $5,432-7.9% | $2,343+113.5% |
| Participant deferral / active EE | $3,208 | $3,086+4.0% | $4,939-35.0% | $3,332-3.7% |
| Admin fee / account holder | $435 | $5,698-92.4% | $13,881-96.9% | $4,645-90.6% |