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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 | $31,227 | $72,404-56.9% | $110,243-71.7% | $64,173-51.3% |
| Participation rate | 100.0% | 73.3%+26.7pp | 79.8%+20.2pp | 69.6%+30.4pp |
| Annual return | 12.11% | -6.29%+18.4pp | 314.76%-302.6pp | 7.63%+4.5pp |
| Employer contribution / active EE | $1,973 | $2,282-13.5% | $3,827-48.4% | $2,381-17.1% |
| Participant deferral / active EE | $5,548 | $3,469+59.9% | $4,672+18.7% | $3,470+59.9% |
| Admin fee / account holder | $904 | $5,664-84.0% | $8,548-89.4% | $4,887-81.5% |