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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 | $19,405 | $63,354-69.4% | $94,105-79.4% | $82,637-76.5% |
| Participation rate | 100.0% | 63.8%+36.2pp | 71.9%+28.1pp | 68.1%+31.9pp |
| Annual return | 21.18% | 34.36%-13.2pp | 204.55%-183.4pp | 53.51%-32.3pp |
| Employer contribution / active EE | $806 | $1,760-54.2% | $2,504-67.8% | $2,552-68.4% |
| Participant deferral / active EE | $2,951 | $2,873+2.7% | $3,881-24.0% | $4,126-28.5% |
| Admin fee / account holder | $716 | $5,073-85.9% | $6,199-88.4% | $7,339-90.2% |