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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 | $61,497 | $89,364-31.2% | $141,177-56.4% | $72,983-15.7% |
| Participation rate | 100.0% | 75.1%+24.9pp | 82.5%+17.5pp | 69.5%+30.5pp |
| Annual return | 27.15% | 111.86%-84.7pp | 71.40%-44.3pp | 81.01%-53.9pp |
| Employer contribution / active EE | $2,058 | $3,115-33.9% | $4,736-56.5% | $2,440-15.7% |
| Participant deferral / active EE | $5,015 | $5,419-7.4% | $6,710-25.3% | $3,608+39.0% |
| Admin fee / account holder | $557 | $5,959-90.7% | $10,263-94.6% | $5,124-89.1% |