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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 | $40,312 | $81,233-50.4% | $155,567-74.1% | $80,874-50.2% |
| Participation rate | 100.0% | 66.2%+33.8pp | 78.2%+21.8pp | 67.6%+32.4pp |
| Annual return | 14.86% | 33.33%-18.5pp | 64.74%-49.9pp | 35.62%-20.8pp |
| Employer contribution / active EE | $4,073 | $3,101+31.3% | $4,674-12.9% | $2,756+47.8% |
| Participant deferral / active EE | $4,131 | $3,452+19.7% | $5,628-26.6% | $4,297-3.9% |
| Admin fee / account holder | $4,473 | $7,998-44.1% | $15,916-71.9% | $6,935-35.5% |