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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 | $27,832 | $81,208-65.7% | $98,920-71.9% | $79,856-65.1% |
| Participation rate | 100.0% | 72.5%+27.5pp | 76.0%+24.0pp | 69.6%+30.4pp |
| Annual return | 13.97% | 60.99%-47.0pp | 196.47%-182.5pp | 31.71%-17.7pp |
| Employer contribution / active EE | $1,998 | $1,960+2.0% | $2,689-25.7% | $2,471-19.2% |
| Participant deferral / active EE | $2,788 | $3,265-14.6% | $4,245-34.3% | $3,741-25.5% |
| Admin fee / account holder | $4,227 | $6,013-29.7% | $6,643-36.4% | $5,306-20.3% |