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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 | $26,992 | $52,279-48.4% | $89,414-69.8% | $79,852-66.2% |
| Participation rate | 100.0% | 57.5%+42.5pp | 68.0%+32.0pp | 69.6%+30.4pp |
| Annual return | 12.76% | 22.16%-9.4pp | 245.50%-232.7pp | 31.72%-19.0pp |
| Employer contribution / active EE | $2,900 | $1,572+84.5% | $2,586+12.1% | $2,471+17.4% |
| Participant deferral / active EE | $3,448 | $2,740+25.8% | $3,890-11.3% | $3,740-7.8% |
| Admin fee / account holder | $1,234 | $3,356-63.2% | $4,883-74.7% | $5,306-76.7% |