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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 | $37,467 | $91,198-58.9% | $178,503-79.0% | $79,856-53.1% |
| Participation rate | 100.0% | 69.2%+30.8pp | 81.9%+18.1pp | 69.6%+30.4pp |
| Annual return | 11.00% | 24.20%-13.2pp | 151.12%-140.1pp | 31.71%-20.7pp |
| Employer contribution / active EE | $2,604 | $3,257-20.0% | $5,011-48.0% | $2,471+5.4% |
| Participant deferral / active EE | $3,863 | $3,237+19.4% | $5,202-25.7% | $3,741+3.3% |
| Admin fee / account holder | $3,619 | $6,748-46.4% | $13,987-74.1% | $5,306-31.8% |