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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 | $31,272 | $65,367-52.2% | $92,915-66.3% | $72,976-57.1% |
| Participation rate | 100.0% | 68.3%+31.7pp | 76.0%+24.0pp | 69.5%+30.5pp |
| Annual return | 21.73% | 42.11%-20.4pp | 109.45%-87.7pp | 81.02%-59.3pp |
| Employer contribution / active EE | $2,026 | $2,594-21.9% | $3,653-44.5% | $2,440-17.0% |
| Participant deferral / active EE | $2,972 | $3,128-5.0% | $4,238-29.9% | $3,608-17.6% |
| Admin fee / account holder | $601 | $4,251-85.9% | $5,796-89.6% | $5,124-88.3% |