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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 | $56,358 | $48,078+17.2% | $78,676-28.4% | $62,881-10.4% |
| Participation rate | 100.0% | 65.2%+34.8pp | 73.6%+26.4pp | 69.3%+30.7pp |
| Annual return | 5.99% | 31.36%-25.4pp | 62.19%-56.2pp | 20.14%-14.2pp |
| Employer contribution / active EE | $2,426 | $2,015+20.4% | $2,850-14.9% | $2,281+6.4% |
| Participant deferral / active EE | $5,910 | $2,587+128.4% | $3,517+68.0% | $3,203+84.5% |
| Admin fee / account holder | $2,441 | $3,206-23.9% | $4,510-45.9% | $4,296-43.2% |