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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 | $31,268 | $99,032-68.4% | $80,022-60.9% | $135,379-76.9% |
| Participation rate | 100.0% | 78.4%+21.6pp | 75.8%+24.2pp | 82.6%+17.4pp |
| Annual return | 3.93% | 15.39%-11.5pp | 11.22%-7.3pp | 519.79%-515.9pp |
| Employer contribution / active EE | $3,799 | $3,043+24.8% | $2,468+53.9% | $4,779-20.5% |
| Participant deferral / active EE | $2,429 | $4,282-43.3% | $3,686-34.1% | $5,609-56.7% |
| Admin fee / account holder | $2,238 | $10,436-78.6% | $6,521-65.7% | $10,828-79.3% |