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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 | $68,356 | $124,351-45.0% | $109,188-37.4% | $167,553-59.2% |
| Participation rate | 100.0% | 79.4%+20.6pp | 75.9%+24.1pp | 82.1%+17.9pp |
| Annual return | 13.50% | 26.04%-12.5pp | 25.76%-12.3pp | 478.89%-465.4pp |
| Employer contribution / active EE | $2,558 | $4,210-39.2% | $3,723-31.3% | $4,840-47.2% |
| Participant deferral / active EE | $5,499 | $5,257+4.6% | $4,654+18.2% | $6,343-13.3% |
| Admin fee / account holder | $700 | $7,975-91.2% | $6,755-89.6% | $12,316-94.3% |