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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 | $43,391 | $56,060-22.6% | $76,002-42.9% | $80,874-46.3% |
| Participation rate | 100.0% | 62.0%+38.0pp | 69.1%+30.9pp | 67.6%+32.4pp |
| Annual return | 13.87% | 20.54%-6.7pp | 360.07%-346.2pp | 35.62%-21.7pp |
| Employer contribution / active EE | $2,881 | $1,873+53.8% | $2,688+7.2% | $2,756+4.5% |
| Participant deferral / active EE | $5,935 | $3,051+94.5% | $4,257+39.4% | $4,297+38.1% |
| Admin fee / account holder | $2,488 | $5,237-52.5% | $6,414-61.2% | $6,935-64.1% |