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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 | $20,602 | $81,331-74.7% | $155,534-86.8% | $80,935-74.5% |
| Participation rate | 100.0% | 66.3%+33.7pp | 78.2%+21.8pp | 67.7%+32.3pp |
| Annual return | 23.29% | 33.37%-10.1pp | 64.92%-41.6pp | 35.66%-12.4pp |
| Employer contribution / active EE | $2,104 | $3,105-32.2% | $4,675-55.0% | $2,757-23.7% |
| Participant deferral / active EE | $3,988 | $3,454+15.5% | $5,630-29.2% | $4,299-7.2% |
| Admin fee / account holder | $2,284 | $7,999-71.4% | $15,900-85.6% | $6,924-67.0% |