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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 | $32,077 | $77,920-58.8% | $149,723-78.6% | $75,177-57.3% |
| Participation rate | 100.0% | 65.6%+34.4pp | 78.8%+21.2pp | 67.2%+32.8pp |
| Annual return | 13.81% | 31.72%-17.9pp | 134.50%-120.7pp | 160.75%-146.9pp |
| Employer contribution / active EE | $2,221 | $3,138-29.2% | $4,821-53.9% | $2,671-16.9% |
| Participant deferral / active EE | $1,895 | $3,411-44.5% | $5,682-66.7% | $4,126-54.1% |
| Admin fee / account holder | $751 | $5,951-87.4% | $13,215-94.3% | $5,651-86.7% |