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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 | $53,783 | $91,559-41.3% | $133,971-59.9% | $79,852-32.6% |
| Participation rate | 100.0% | 73.3%+26.7pp | 79.8%+20.2pp | 69.6%+30.4pp |
| Annual return | 15.07% | 61.85%-46.8pp | 45.09%-30.0pp | 31.72%-16.7pp |
| Employer contribution / active EE | $2,097 | $2,384-12.1% | $3,919-46.5% | $2,471-15.2% |
| Participant deferral / active EE | $2,906 | $3,734-22.2% | $5,047-42.4% | $3,740-22.3% |
| Admin fee / account holder | $6,112 | $6,321-3.3% | $8,929-31.5% | $5,306+15.2% |