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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 | $34,019 | $77,908-56.3% | $149,696-77.3% | $75,173-54.7% |
| Participation rate | 100.0% | 65.6%+34.4pp | 78.8%+21.2pp | 67.2%+32.8pp |
| Annual return | 13.96% | 31.73%-17.8pp | 134.46%-120.5pp | 160.72%-146.8pp |
| Employer contribution / active EE | $1,867 | $3,138-40.5% | $4,821-61.3% | $2,671-30.1% |
| Participant deferral / active EE | $6,311 | $3,411+85.0% | $5,682+11.1% | $4,126+53.0% |
| Admin fee / account holder | $1,898 | $5,950-68.1% | $13,212-85.6% | $5,651-66.4% |