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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 | $39,451 | $56,110-29.7% | $94,993-58.5% | $70,124-43.7% |
| Participation rate | 100.0% | 65.0%+35.0pp | 73.9%+26.1pp | 69.5%+30.5pp |
| Annual return | 14.41% | 51.02%-36.6pp | 27.14%-12.7pp | 73.14%-58.7pp |
| Employer contribution / active EE | $2,553 | $1,442+77.0% | $2,603-1.9% | $2,342+9.0% |
| Participant deferral / active EE | $1,341 | $2,391-43.9% | $3,317-59.6% | $3,332-59.7% |
| Admin fee / account holder | $2,569 | $3,456-25.7% | $4,960-48.2% | $4,645-44.7% |