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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 | $28,929 | $65,041-55.5% | $90,965-68.2% | $79,858-63.8% |
| Participation rate | 100.0% | 61.6%+38.4pp | 69.0%+31.0pp | 69.6%+30.4pp |
| Annual return | 14.89% | 30.45%-15.6pp | 134.57%-119.7pp | 31.72%-16.8pp |
| Employer contribution / active EE | $5,105 | $1,247+309.3% | $2,122+140.6% | $2,471+106.6% |
| Participant deferral / active EE | $4,128 | $2,512+64.3% | $3,373+22.4% | $3,740+10.4% |
| Admin fee / account holder | $933 | $4,536-79.4% | $5,960-84.3% | $5,306-82.4% |