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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 | $48,214 | $91,559-47.3% | $133,971-64.0% | $79,852-39.6% |
| Participation rate | 100.0% | 73.3%+26.7pp | 79.8%+20.2pp | 69.6%+30.4pp |
| Annual return | 27.40% | 61.85%-34.4pp | 45.09%-17.7pp | 31.72%-4.3pp |
| Employer contribution / active EE | $5,778 | $2,384+142.4% | $3,919+47.4% | $2,471+133.8% |
| Participant deferral / active EE | $6,440 | $3,734+72.5% | $5,047+27.6% | $3,740+72.2% |
| Admin fee / account holder | $483 | $6,321-92.4% | $8,929-94.6% | $5,306-90.9% |