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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 | $41,741 | $72,027-42.0% | $185,861-77.5% | $79,856-47.7% |
| Participation rate | 100.0% | 65.8%+34.2pp | 78.0%+22.0pp | 69.6%+30.4pp |
| Annual return | 21.84% | 23.13%-1.3pp | 35.96%-14.1pp | 31.71%-9.9pp |
| Employer contribution / active EE | $4,550 | $1,965+131.5% | $4,088+11.3% | $2,471+84.1% |
| Participant deferral / active EE | $6,712 | $3,780+77.6% | $5,634+19.1% | $3,741+79.4% |
| Admin fee / account holder | $574 | $4,513-87.3% | $9,503-94.0% | $5,306-89.2% |