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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 | $43,357 | $97,125-55.4% | $86,233-49.7% | $137,256-68.4% |
| Participation rate | 100.0% | 74.2%+25.8pp | 69.0%+31.0pp | 80.0%+20.0pp |
| Annual return | 18.44% | 74.19%-55.8pp | 61.39%-43.0pp | 220.34%-201.9pp |
| Employer contribution / active EE | $1,734 | $2,841-39.0% | $2,504-30.8% | $4,156-58.3% |
| Participant deferral / active EE | $5,270 | $5,180+1.7% | $4,559+15.6% | $6,407-17.7% |
| Admin fee / account holder | $2,103 | $9,725-78.4% | $8,342-74.8% | $12,270-82.9% |