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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 | $50,455 | $73,978-31.8% | $96,515-47.7% | $75,173-32.9% |
| Participation rate | 100.0% | 66.4%+33.6pp | 74.3%+25.7pp | 67.2%+32.8pp |
| Annual return | 16.86% | 26.72%-9.9pp | 35.73%-18.9pp | 160.72%-143.9pp |
| Employer contribution / active EE | $5,039 | $2,931+71.9% | $3,740+34.7% | $2,671+88.6% |
| Participant deferral / active EE | $1,731 | $3,660-52.7% | $4,880-64.5% | $4,126-58.1% |
| Admin fee / account holder | $3,778 | $5,219-27.6% | $6,735-43.9% | $5,651-33.1% |