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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 | $46,416 | $65,027-28.6% | $90,970-49.0% | $79,852-41.9% |
| Participation rate | 100.0% | 61.6%+38.4pp | 69.0%+31.0pp | 69.6%+30.4pp |
| Annual return | 14.60% | 30.45%-15.9pp | 134.58%-120.0pp | 31.72%-17.1pp |
| Employer contribution / active EE | $1,723 | $1,247+38.1% | $2,122-18.8% | $2,471-30.3% |
| Participant deferral / active EE | $3,128 | $2,512+24.5% | $3,373-7.3% | $3,740-16.4% |
| Admin fee / account holder | $403 | $4,535-91.1% | $5,960-93.2% | $5,306-92.4% |