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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 | $39,036 | $68,880-43.3% | $120,580-67.6% | $80,959-51.8% |
| Participation rate | 100.0% | 61.7%+38.3pp | 72.0%+28.0pp | 67.7%+32.3pp |
| Annual return | 17.12% | 23.68%-6.6pp | 107.48%-90.4pp | 35.67%-18.5pp |
| Employer contribution / active EE | $2,024 | $2,066-2.0% | $3,469-41.7% | $2,757-26.6% |
| Participant deferral / active EE | $4,844 | $3,191+51.8% | $4,995-3.0% | $4,300+12.7% |
| Admin fee / account holder | $1,420 | $5,785-75.5% | $9,418-84.9% | $6,925-79.5% |