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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 | $16,286 | $48,078-66.1% | $78,676-79.3% | $62,881-74.1% |
| Participation rate | 100.0% | 65.2%+34.8pp | 73.6%+26.4pp | 69.3%+30.7pp |
| Annual return | 4.55% | 31.36%-26.8pp | 62.19%-57.6pp | 20.14%-15.6pp |
| Employer contribution / active EE | $2,422 | $2,015+20.2% | $2,850-15.0% | $2,281+6.2% |
| Participant deferral / active EE | $1,000 | $2,587-61.3% | $3,517-71.6% | $3,203-68.8% |
| Admin fee / account holder | $4,504 | $3,206+40.5% | $4,510-0.1% | $4,296+4.9% |