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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 | $57,041 | $77,638-26.5% | $156,551-63.6% | $62,881-9.3% |
| Participation rate | 100.0% | 71.2%+28.8pp | 84.0%+16.0pp | 69.3%+30.7pp |
| Annual return | 5.83% | 50.33%-44.5pp | 32.23%-26.4pp | 20.14%-14.3pp |
| Employer contribution / active EE | $2,421 | $3,444-29.7% | $5,501-56.0% | $2,281+6.1% |
| Participant deferral / active EE | $3,975 | $3,046+30.5% | $4,871-18.4% | $3,203+24.1% |
| Admin fee / account holder | $862 | $5,561-84.5% | $13,028-93.4% | $4,296-79.9% |