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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 | $81,358-50.5% | $155,556-74.1% | $80,959-50.2% |
| Participation rate | 100.0% | 66.3%+33.7pp | 78.2%+21.8pp | 67.7%+32.3pp |
| Annual return | 14.86% | 33.39%-18.5pp | 64.84%-50.0pp | 35.67%-20.8pp |
| Employer contribution / active EE | $4,073 | $3,106+31.1% | $4,675-12.9% | $2,757+47.7% |
| Participant deferral / active EE | $4,131 | $3,455+19.6% | $5,631-26.6% | $4,300-3.9% |
| Admin fee / account holder | $4,473 | $7,994-44.0% | $15,885-71.8% | $6,925-35.4% |