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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 | $46,301 | $90,674-48.9% | $96,707-52.1% | $82,448-43.8% |
| Participation rate | 100.0% | 75.9%+24.1pp | 80.4%+19.6pp | 68.1%+31.9pp |
| Annual return | 20.52% | 49.05%-28.5pp | 34.78%-14.3pp | 41.64%-21.1pp |
| Employer contribution / active EE | $2,322 | $3,975-41.6% | $4,191-44.6% | $2,551-9.0% |
| Participant deferral / active EE | $5,201 | $5,696-8.7% | $5,997-13.3% | $4,139+25.7% |
| Admin fee / account holder | $1,480 | $7,568-80.4% | $7,503-80.3% | $7,234-79.5% |