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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 | $40,455 | $51,202-21.0% | $70,548-42.7% | $75,181-46.2% |
| Participation rate | 100.0% | 61.0%+39.0pp | 68.3%+31.7pp | 67.2%+32.8pp |
| Annual return | 17.55% | 30.05%-12.5pp | 32.78%-15.2pp | 160.69%-143.1pp |
| Employer contribution / active EE | $1,954 | $1,827+6.9% | $2,975-34.3% | $2,671-26.8% |
| Participant deferral / active EE | $3,557 | $2,850+24.8% | $4,567-22.1% | $4,126-13.8% |
| Admin fee / account holder | $634 | $4,094-84.5% | $6,424-90.1% | $5,650-88.8% |