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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 | $57,913 | $84,236-31.2% | $170,435-66.0% | $70,126-17.4% |
| Participation rate | 100.0% | 70.8%+29.2pp | 83.6%+16.4pp | 69.5%+30.5pp |
| Annual return | 14.43% | 23.06%-8.6pp | 205.94%-191.5pp | 73.15%-58.7pp |
| Employer contribution / active EE | $3,890 | $3,387+14.8% | $5,432-28.4% | $2,343+66.1% |
| Participant deferral / active EE | $3,990 | $3,086+29.3% | $4,939-19.2% | $3,332+19.7% |
| Admin fee / account holder | $5,615 | $5,698-1.5% | $13,881-59.5% | $4,645+20.9% |