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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 | $83,868 | $65,364+28.3% | $92,909-9.7% | $72,975+14.9% |
| Participation rate | 100.0% | 68.3%+31.7pp | 76.0%+24.0pp | 69.5%+30.5pp |
| Annual return | 18.02% | 42.11%-24.1pp | 109.44%-91.4pp | 81.01%-63.0pp |
| Employer contribution / active EE | $1,000 | $2,594-61.5% | $3,653-72.6% | $2,440-59.0% |
| Participant deferral / active EE | $3,070 | $3,128-1.9% | $4,238-27.6% | $3,608-14.9% |
| Admin fee / account holder | $3,052 | $4,251-28.2% | $5,795-47.3% | $5,124-40.4% |