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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 | $44,745 | $108,825-58.9% | $156,181-71.4% | $82,448-45.7% |
| Participation rate | 100.0% | 72.4%+27.6pp | 78.8%+21.2pp | 68.1%+31.9pp |
| Annual return | 16.25% | 20.59%-4.3pp | 64.87%-48.6pp | 41.64%-25.4pp |
| Employer contribution / active EE | $1,813 | $2,870-36.8% | $4,294-57.8% | $2,551-28.9% |
| Participant deferral / active EE | $3,976 | $4,577-13.1% | $6,132-35.2% | $4,139-3.9% |
| Admin fee / account holder | $493 | $9,341-94.7% | $14,586-96.6% | $7,234-93.2% |