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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 | $48,435 | $96,731-49.9% | $123,973-60.9% | $86,983-44.3% |
| Participation rate | 100.0% | 70.0%+30.0pp | 76.7%+23.3pp | 69.5%+30.5pp |
| Annual return | 15.50% | 17.33%-1.8pp | 388.13%-372.6pp | 25.83%-10.3pp |
| Employer contribution / active EE | $2,349 | $3,297-28.8% | $4,126-43.1% | $2,584-9.1% |
| Participant deferral / active EE | $3,729 | $4,152-10.2% | $5,247-28.9% | $4,194-11.1% |
| Admin fee / account holder | $6,276 | $8,722-28.0% | $11,799-46.8% | $7,856-20.1% |