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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 | $41,910 | $96,524-56.6% | $75,900-44.8% | $152,909-72.6% |
| Participation rate | 100.0% | 76.2%+23.8pp | 69.3%+30.7pp | 82.5%+17.5pp |
| Annual return | 32.37% | 33.93%-1.6pp | 30.73%+1.6pp | 345.46%-313.1pp |
| Employer contribution / active EE | $1,768 | $3,311-46.6% | $2,501-29.3% | $4,764-62.9% |
| Participant deferral / active EE | $7,044 | $4,554+54.7% | $3,604+95.5% | $5,851+20.4% |
| Admin fee / account holder | $1,622 | $8,082-79.9% | $5,421-70.1% | $11,601-86.0% |