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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 | $44,883 | $48,327-7.1% | $67,575-33.6% | $80,935-44.5% |
| Participation rate | 100.0% | 66.4%+33.6pp | 72.9%+27.1pp | 67.7%+32.3pp |
| Annual return | 14.76% | 18.31%-3.6pp | 3528.98%-3514.2pp | 35.66%-20.9pp |
| Employer contribution / active EE | $1,401 | $2,022-30.7% | $2,736-48.8% | $2,757-49.2% |
| Participant deferral / active EE | $2,721 | $2,927-7.1% | $4,003-32.0% | $4,299-36.7% |
| Admin fee / account holder | $4,651 | $3,692+26.0% | $3,993+16.5% | $6,924-32.8% |