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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 | $96,731-55.3% | $123,973-65.1% | $86,983-50.3% |
| Participation rate | 100.0% | 70.0%+30.0pp | 76.7%+23.3pp | 69.5%+30.5pp |
| Annual return | 13.29% | 17.33%-4.0pp | 388.13%-374.8pp | 25.83%-12.5pp |
| Employer contribution / active EE | $3,071 | $3,297-6.8% | $4,126-25.6% | $2,584+18.8% |
| Participant deferral / active EE | $5,066 | $4,152+22.0% | $5,247-3.5% | $4,194+20.8% |
| Admin fee / account holder | $4,464 | $8,722-48.8% | $11,799-62.2% | $7,856-43.2% |