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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 | $51,122 | $88,672-42.3% | $105,223-51.4% | $82,448-38.0% |
| Participation rate | 100.0% | 67.9%+32.1pp | 75.0%+25.0pp | 68.1%+31.9pp |
| Annual return | 14.44% | 30.86%-16.4pp | 180.65%-166.2pp | 41.64%-27.2pp |
| Employer contribution / active EE | $5,892 | $3,048+93.3% | $3,689+59.7% | $2,551+131.0% |
| Participant deferral / active EE | $5,066 | $4,036+25.5% | $5,072-0.1% | $4,139+22.4% |
| Admin fee / account holder | $1,804 | $7,146-74.7% | $8,859-79.6% | $7,234-75.1% |