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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 | $27,766 | $77,908-64.4% | $149,696-81.5% | $75,173-63.1% |
| Participation rate | 100.0% | 65.6%+34.4pp | 78.8%+21.2pp | 67.2%+32.8pp |
| Annual return | 19.15% | 31.73%-12.6pp | 134.46%-115.3pp | 160.72%-141.6pp |
| Employer contribution / active EE | $2,189 | $3,138-30.2% | $4,821-54.6% | $2,671-18.1% |
| Participant deferral / active EE | $4,028 | $3,411+18.1% | $5,682-29.1% | $4,126-2.4% |
| Admin fee / account holder | $2,515 | $5,950-57.7% | $13,212-81.0% | $5,651-55.5% |