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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 | $56,722 | $77,638-26.9% | $156,551-63.8% | $62,881-9.8% |
| Participation rate | 100.0% | 71.2%+28.8pp | 84.0%+16.0pp | 69.3%+30.7pp |
| Annual return | 7.09% | 50.33%-43.2pp | 32.23%-25.1pp | 20.14%-13.1pp |
| Employer contribution / active EE | $4,015 | $3,444+16.6% | $5,501-27.0% | $2,281+76.0% |
| Participant deferral / active EE | $4,008 | $3,046+31.6% | $4,871-17.7% | $3,203+25.1% |
| Admin fee / account holder | $1,502 | $5,561-73.0% | $13,028-88.5% | $4,296-65.0% |