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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 | $43,233 | $89,259-51.6% | $107,187-59.7% | $82,637-47.7% |
| Participation rate | 100.0% | 67.9%+32.1pp | 75.0%+25.0pp | 68.1%+31.9pp |
| Annual return | 13.29% | 21.02%-7.7pp | 204.55%-191.3pp | 53.51%-40.2pp |
| Employer contribution / active EE | $3,071 | $3,080-0.3% | $3,782-18.8% | $2,552+20.3% |
| Participant deferral / active EE | $5,066 | $4,037+25.5% | $5,096-0.6% | $4,126+22.8% |
| Admin fee / account holder | $4,464 | $7,381-39.5% | $9,162-51.3% | $7,339-39.2% |