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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 | $55,889-22.4% | $76,119-43.0% | $80,935-46.4% |
| Participation rate | 100.0% | 62.1%+37.9pp | 69.1%+30.9pp | 67.7%+32.3pp |
| Annual return | 13.87% | 20.58%-6.7pp | 361.25%-347.4pp | 35.66%-21.8pp |
| Employer contribution / active EE | $2,881 | $1,866+54.4% | $2,693+7.0% | $2,757+4.5% |
| Participant deferral / active EE | $5,935 | $3,051+94.5% | $4,259+39.3% | $4,299+38.0% |
| Admin fee / account holder | $2,488 | $5,241-52.5% | $6,421-61.2% | $6,924-64.1% |