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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 | $69,147 | $93,346-25.9% | $71,796-3.7% | $273,972-74.8% |
| Participation rate | 100.0% | 76.5%+23.5pp | 69.1%+30.9pp | 83.0%+17.0pp |
| Annual return | 2.29% | 130.39%-128.1pp | 78.04%-75.7pp | 41.46%-39.2pp |
| Employer contribution / active EE | $1,299 | $2,733-52.5% | $1,924-32.5% | $4,869-73.3% |
| Participant deferral / active EE | $3,365 | $3,475-3.2% | $2,794+20.4% | $5,287-36.3% |
| Admin fee / account holder | $634 | $6,571-90.4% | $4,815-86.8% | $10,133-93.7% |