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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 | $40,987 | $67,602-39.4% | $82,312-50.2% | $70,126-41.6% |
| Participation rate | 100.0% | 72.8%+27.2pp | 76.9%+23.1pp | 69.5%+30.5pp |
| Annual return | 23.44% | 21.57%+1.9pp | 25.88%-2.4pp | 73.15%-49.7pp |
| Employer contribution / active EE | $5,483 | $1,755+212.4% | $2,428+125.8% | $2,343+134.0% |
| Participant deferral / active EE | $7,473 | $2,987+150.2% | $3,706+101.6% | $3,332+124.3% |
| Admin fee / account holder | $749 | $4,512-83.4% | $5,608-86.6% | $4,645-83.9% |