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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 | $31,456 | $77,814-59.6% | $158,223-80.1% | $86,983-63.8% |
| Participation rate | 100.0% | 68.4%+31.6pp | 79.2%+20.8pp | 69.5%+30.5pp |
| Annual return | 12.31% | 30.54%-18.2pp | 52.09%-39.8pp | 25.83%-13.5pp |
| Employer contribution / active EE | $3,883 | $2,592+49.8% | $4,109-5.5% | $2,584+50.3% |
| Participant deferral / active EE | $2,002 | $3,270-38.8% | $5,467-63.4% | $4,194-52.3% |
| Admin fee / account holder | $1,958 | $5,879-66.7% | $16,047-87.8% | $7,856-75.1% |