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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 | $62,077 | $116,203-46.6% | $93,621-33.7% | $152,909-59.4% |
| Participation rate | 100.0% | 78.1%+21.9pp | 75.8%+24.2pp | 82.5%+17.5pp |
| Annual return | 21.52% | 35.96%-14.4pp | 32.76%-11.2pp | 345.46%-323.9pp |
| Employer contribution / active EE | $1,851 | $3,219-42.5% | $2,719-31.9% | $4,764-61.2% |
| Participant deferral / active EE | $2,307 | $4,605-49.9% | $4,070-43.3% | $5,851-60.6% |
| Admin fee / account holder | $668 | $10,751-93.8% | $7,890-91.5% | $11,601-94.2% |