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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 | $41,647 | $61,390-32.2% | $112,228-62.9% | $75,177-44.6% |
| Participation rate | 100.0% | 61.6%+38.4pp | 72.4%+27.6pp | 67.2%+32.8pp |
| Annual return | 14.81% | 28.47%-13.7pp | 30.23%-15.4pp | 160.75%-145.9pp |
| Employer contribution / active EE | $6,304 | $2,015+212.9% | $3,432+83.7% | $2,671+136.0% |
| Participant deferral / active EE | $6,575 | $3,108+111.6% | $4,800+37.0% | $4,126+59.3% |
| Admin fee / account holder | $474 | $4,862-90.2% | $7,752-93.9% | $5,651-91.6% |