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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 | $19,046 | $65,361-70.9% | $92,903-79.5% | $72,983-73.9% |
| Participation rate | 100.0% | 68.3%+31.7pp | 76.0%+24.0pp | 69.5%+30.5pp |
| Annual return | 32.95% | 42.11%-9.2pp | 109.43%-76.5pp | 81.01%-48.1pp |
| Employer contribution / active EE | $2,417 | $2,594-6.8% | $3,653-33.8% | $2,440-0.9% |
| Participant deferral / active EE | $4,574 | $3,128+46.2% | $4,238+7.9% | $3,608+26.8% |
| Admin fee / account holder | $720 | $4,251-83.1% | $5,795-87.6% | $5,124-85.9% |