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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 | $48,640 | $54,763-11.2% | $90,324-46.1% | $72,976-33.3% |
| Participation rate | 100.0% | 65.2%+34.8pp | 73.3%+26.7pp | 69.5%+30.5pp |
| Annual return | 24.24% | 30.63%-6.4pp | 78.15%-53.9pp | 81.02%-56.8pp |
| Employer contribution / active EE | $1,478 | $2,093-29.4% | $2,856-48.2% | $2,440-39.4% |
| Participant deferral / active EE | $3,839 | $2,887+33.0% | $3,885-1.2% | $3,608+6.4% |
| Admin fee / account holder | $1,098 | $3,973-72.4% | $5,356-79.5% | $5,124-78.6% |