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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 | $72,934 | $70,418+3.6% | $96,570-24.5% | $85,847-15.0% |
| Participation rate | 100.0% | 61.8%+38.2pp | 69.8%+30.2pp | 69.3%+30.7pp |
| Annual return | 12.11% | 18.59%-6.5pp | 37.79%-25.7pp | 318.61%-306.5pp |
| Employer contribution / active EE | $1,131 | $1,413-19.9% | $2,357-52.0% | $2,565-55.9% |
| Participant deferral / active EE | $2,833 | $2,894-2.1% | $3,849-26.4% | $3,952-28.3% |
| Admin fee / account holder | $1,283 | $4,995-74.3% | $6,182-79.3% | $6,261-79.5% |