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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 | $45,762 | $98,776-53.7% | $149,745-69.4% | $79,856-42.7% |
| Participation rate | 100.0% | 75.8%+24.2pp | 82.5%+17.5pp | 69.6%+30.4pp |
| Annual return | 18.17% | 27.38%-9.2pp | 276.72%-258.6pp | 31.71%-13.5pp |
| Employer contribution / active EE | $4,250 | $3,217+32.1% | $4,646-8.5% | $2,471+72.0% |
| Participant deferral / active EE | $2,393 | $5,681-57.9% | $6,843-65.0% | $3,741-36.0% |
| Admin fee / account holder | $3,838 | $6,053-36.6% | $9,312-58.8% | $5,306-27.7% |