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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 | $58,436 | $81,262-28.1% | $155,602-62.4% | $80,911-27.8% |
| Participation rate | 100.0% | 66.2%+33.8pp | 78.2%+21.8pp | 67.6%+32.4pp |
| Annual return | 13.62% | 33.34%-19.7pp | 64.81%-51.2pp | 35.63%-22.0pp |
| Employer contribution / active EE | $2,899 | $3,102-6.5% | $4,675-38.0% | $2,756+5.2% |
| Participant deferral / active EE | $3,404 | $3,451-1.4% | $5,629-39.5% | $4,297-20.8% |
| Admin fee / account holder | $5,061 | $7,992-36.7% | $15,923-68.2% | $6,935-27.0% |