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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 | $128,282 | $81,331+57.7% | $155,534-17.5% | $80,935+58.5% |
| Participation rate | 100.0% | 66.3%+33.7pp | 78.2%+21.8pp | 67.7%+32.3pp |
| Annual return | 23.02% | 33.37%-10.3pp | 64.92%-41.9pp | 35.66%-12.6pp |
| Employer contribution / active EE | $1,209 | $3,105-61.1% | $4,675-74.1% | $2,757-56.2% |
| Participant deferral / active EE | $3,624 | $3,454+4.9% | $5,630-35.6% | $4,299-15.7% |
| Admin fee / account holder | $485 | $7,999-93.9% | $15,900-96.9% | $6,924-93.0% |