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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 | $71,256 | $77,901-8.5% | $149,717-52.4% | $75,181-5.2% |
| Participation rate | 100.0% | 65.6%+34.4pp | 78.8%+21.2pp | 67.2%+32.8pp |
| Annual return | 19.02% | 31.73%-12.7pp | 134.41%-115.4pp | 160.69%-141.7pp |
| Employer contribution / active EE | $2,062 | $3,137-34.3% | $4,820-57.2% | $2,671-22.8% |
| Participant deferral / active EE | $5,672 | $3,411+66.3% | $5,682-0.2% | $4,126+37.5% |
| Admin fee / account holder | $457 | $5,949-92.3% | $13,213-96.5% | $5,650-91.9% |