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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 | $4,521 | $94,439-95.2% | $73,658-93.9% | $154,746-97.1% |
| Participation rate | 100.0% | 64.7%+35.3pp | 57.0%+43.0pp | 80.7%+19.3pp |
| Annual return | 12.52% | 28.25%-15.7pp | 29.72%-17.2pp | 172.34%-159.8pp |
| Employer contribution / active EE | $1,200 | $1,257-4.6% | $1,032+16.2% | $4,379-72.6% |
| Participant deferral / active EE | $1,351 | $2,527-46.6% | $2,062-34.5% | $6,730-79.9% |
| Admin fee / account holder | $552 | $3,843-85.6% | $3,357-83.6% | $14,365-96.2% |