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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 | $46,276 | $51,638-10.4% | $68,368-32.3% | $82,448-43.9% |
| Participation rate | 100.0% | 63.6%+36.4pp | 73.8%+26.2pp | 68.1%+31.9pp |
| Annual return | 17.35% | 37.53%-20.2pp | 292.57%-275.2pp | 41.64%-24.3pp |
| Employer contribution / active EE | $2,780 | $2,047+35.8% | $2,649+4.9% | $2,551+9.0% |
| Participant deferral / active EE | $3,350 | $2,914+15.0% | $4,123-18.7% | $4,139-19.1% |
| Admin fee / account holder | $5,832 | $4,643+25.6% | $5,150+13.2% | $7,234-19.4% |