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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 | $45,459 | $125,797-63.9% | $170,028-73.3% | $75,181-39.5% |
| Participation rate | 100.0% | 83.6%+16.4pp | 87.0%+13.0pp | 67.2%+32.8pp |
| Annual return | 13.79% | 27.20%-13.4pp | 53.39%-39.6pp | 160.69%-146.9pp |
| Employer contribution / active EE | $2,269 | $4,616-50.8% | $6,788-66.6% | $2,671-15.0% |
| Participant deferral / active EE | $3,942 | $6,838-42.4% | $10,409-62.1% | $4,126-4.5% |
| Admin fee / account holder | $1,321 | $8,177-83.8% | $12,820-89.7% | $5,650-76.6% |