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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 | $36,523 | $81,358-55.1% | $155,556-76.5% | $80,959-54.9% |
| Participation rate | 100.0% | 66.3%+33.7pp | 78.2%+21.8pp | 67.7%+32.3pp |
| Annual return | 17.10% | 33.39%-16.3pp | 64.84%-47.7pp | 35.67%-18.6pp |
| Employer contribution / active EE | $5,346 | $3,106+72.1% | $4,675+14.4% | $2,757+93.9% |
| Participant deferral / active EE | $2,931 | $3,455-15.2% | $5,631-47.9% | $4,300-31.8% |
| Admin fee / account holder | $5,267 | $7,994-34.1% | $15,885-66.8% | $6,925-24.0% |