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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 | $54,808 | $81,276-32.6% | $155,574-64.8% | $80,925-32.3% |
| Participation rate | 100.0% | 66.2%+33.8pp | 78.2%+21.8pp | 67.7%+32.3pp |
| Annual return | 12.61% | 33.36%-20.7pp | 64.87%-52.3pp | 35.65%-23.0pp |
| Employer contribution / active EE | $3,701 | $3,103+19.3% | $4,676-20.8% | $2,756+34.3% |
| Participant deferral / active EE | $7,785 | $3,453+125.5% | $5,629+38.3% | $4,299+81.1% |
| Admin fee / account holder | $2,588 | $7,993-67.6% | $15,914-83.7% | $6,940-62.7% |