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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 | $40,921 | $78,197-47.7% | $98,090-58.3% | $82,637-50.5% |
| Participation rate | 100.0% | 77.5%+22.5pp | 81.5%+18.5pp | 68.1%+31.9pp |
| Annual return | 15.33% | 40.25%-24.9pp | 37.05%-21.7pp | 53.51%-38.2pp |
| Employer contribution / active EE | $3,477 | $2,605+33.5% | $3,606-3.6% | $2,552+36.2% |
| Participant deferral / active EE | $5,205 | $6,636-21.6% | $7,845-33.7% | $4,126+26.1% |
| Admin fee / account holder | $2,466 | $14,832-83.4% | $11,815-79.1% | $7,339-66.4% |