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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 | $42,250 | $94,439-55.3% | $73,658-42.6% | $154,746-72.7% |
| Participation rate | 100.0% | 64.7%+35.3pp | 57.0%+43.0pp | 80.7%+19.3pp |
| Annual return | 21.85% | 28.25%-6.4pp | 29.72%-7.9pp | 172.34%-150.5pp |
| Employer contribution / active EE | $5,809 | $1,257+362.0% | $1,032+462.7% | $4,379+32.7% |
| Participant deferral / active EE | $5,596 | $2,527+121.4% | $2,062+171.4% | $6,730-16.9% |
| Admin fee / account holder | $3,145 | $3,843-18.2% | $3,357-6.3% | $14,365-78.1% |