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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 | $31,546 | $76,407-58.7% | $150,298-79.0% | $82,448-61.7% |
| Participation rate | 100.0% | 66.4%+33.6pp | 77.8%+22.2pp | 68.1%+31.9pp |
| Annual return | 14.29% | 39.99%-25.7pp | 62.79%-48.5pp | 41.64%-27.3pp |
| Employer contribution / active EE | $1,703 | $2,614-34.8% | $4,154-59.0% | $2,551-33.2% |
| Participant deferral / active EE | $3,913 | $3,214+21.7% | $5,453-28.2% | $4,139-5.5% |
| Admin fee / account holder | $2,181 | $6,352-65.7% | $14,116-84.6% | $7,234-69.9% |