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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 | $45,826 | $47,944-4.4% | $67,834-32.4% | $62,881-27.1% |
| Participation rate | 100.0% | 61.1%+38.9pp | 68.8%+31.2pp | 69.3%+30.7pp |
| Annual return | 8.15% | 11.77%-3.6pp | 138.47%-130.3pp | 20.14%-12.0pp |
| Employer contribution / active EE | $1,141 | $1,562-27.0% | $2,403-52.5% | $2,281-50.0% |
| Participant deferral / active EE | $2,423 | $2,247+7.8% | $3,160-23.3% | $3,203-24.4% |
| Admin fee / account holder | $1,036 | $3,712-72.1% | $4,622-77.6% | $4,296-75.9% |