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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 | $26,546 | $81,358-67.4% | $155,556-82.9% | $80,959-67.2% |
| Participation rate | 100.0% | 66.3%+33.7pp | 78.2%+21.8pp | 67.7%+32.3pp |
| Annual return | 12.93% | 33.39%-20.5pp | 64.84%-51.9pp | 35.67%-22.7pp |
| Employer contribution / active EE | $1,468 | $3,106-52.7% | $4,675-68.6% | $2,757-46.7% |
| Participant deferral / active EE | $3,642 | $3,455+5.4% | $5,631-35.3% | $4,300-15.3% |
| Admin fee / account holder | $1,238 | $7,994-84.5% | $15,885-92.2% | $6,925-82.1% |