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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 | $48,284-7.0% | $67,524-33.5% | $80,911-44.5% |
| Participation rate | 100.0% | 66.4%+33.6pp | 72.9%+27.1pp | 67.6%+32.4pp |
| Annual return | 14.76% | 18.27%-3.5pp | 3519.41%-3504.7pp | 35.63%-20.9pp |
| Employer contribution / active EE | $1,401 | $2,021-30.7% | $2,734-48.8% | $2,756-49.2% |
| Participant deferral / active EE | $2,721 | $2,927-7.0% | $4,001-32.0% | $4,297-36.7% |
| Admin fee / account holder | $4,651 | $3,688+26.1% | $4,001+16.2% | $6,935-32.9% |