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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 | $39,074 | $83,337-53.1% | $67,834-42.4% | $273,972-85.7% |
| Participation rate | 100.0% | 76.4%+23.6pp | 68.8%+31.2pp | 83.0%+17.0pp |
| Annual return | 7.35% | 259.45%-252.1pp | 138.47%-131.1pp | 41.46%-34.1pp |
| Employer contribution / active EE | $2,729 | $3,287-17.0% | $2,403+13.6% | $4,869-43.9% |
| Participant deferral / active EE | $5,154 | $4,088+26.1% | $3,160+63.1% | $5,287-2.5% |
| Admin fee / account holder | $519 | $6,752-92.3% | $4,622-88.8% | $10,133-94.9% |