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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 | $46,089 | $106,749-56.8% | $145,433-68.3% | $82,448-44.1% |
| Participation rate | 100.0% | 75.6%+24.4pp | 82.1%+17.9pp | 68.1%+31.9pp |
| Annual return | 18.97% | 27.59%-8.6pp | 66.58%-47.6pp | 41.64%-22.7pp |
| Employer contribution / active EE | $4,287 | $3,444+24.5% | $4,554-5.9% | $2,551+68.0% |
| Participant deferral / active EE | $4,720 | $6,519-27.6% | $7,897-40.2% | $4,139+14.0% |
| Admin fee / account holder | $1,616 | $8,390-80.7% | $13,129-87.7% | $7,234-77.7% |