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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 | $106,864-56.9% | $147,318-68.7% | $82,637-44.2% |
| Participation rate | 100.0% | 75.5%+24.5pp | 82.1%+17.9pp | 68.1%+31.9pp |
| Annual return | 18.97% | 27.49%-8.5pp | 70.43%-51.5pp | 53.51%-34.5pp |
| Employer contribution / active EE | $4,287 | $3,417+25.5% | $4,593-6.7% | $2,552+68.0% |
| Participant deferral / active EE | $4,720 | $6,496-27.3% | $7,906-40.3% | $4,126+14.4% |
| Admin fee / account holder | $1,616 | $8,415-80.8% | $13,708-88.2% | $7,339-78.0% |