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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 | $34,362 | $76,407-55.0% | $150,298-77.1% | $82,448-58.3% |
| Participation rate | 100.0% | 66.4%+33.6pp | 77.8%+22.2pp | 68.1%+31.9pp |
| Annual return | 13.16% | 39.99%-26.8pp | 62.79%-49.6pp | 41.64%-28.5pp |
| Employer contribution / active EE | $2,121 | $2,614-18.9% | $4,154-48.9% | $2,551-16.9% |
| Participant deferral / active EE | $2,212 | $3,214-31.2% | $5,453-59.4% | $4,139-46.6% |
| Admin fee / account holder | $2,318 | $6,352-63.5% | $14,116-83.6% | $7,234-68.0% |