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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 | $55,139 | $70,684-22.0% | $169,390-67.4% | $75,173-26.7% |
| Participation rate | 100.0% | 64.8%+35.2pp | 77.2%+22.8pp | 67.2%+32.8pp |
| Annual return | 15.30% | 36.38%-21.1pp | 406.07%-390.8pp | 160.72%-145.4pp |
| Employer contribution / active EE | $3,109 | $2,211+40.6% | $4,013-22.5% | $2,671+16.4% |
| Participant deferral / active EE | $4,614 | $4,310+7.1% | $6,222-25.9% | $4,126+11.8% |
| Admin fee / account holder | $5,042 | $5,404-6.7% | $9,015-44.1% | $5,651-10.8% |