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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 | $68,573-43.1% | $120,368-67.6% | $80,874-51.7% |
| Participation rate | 100.0% | 61.6%+38.4pp | 71.9%+28.1pp | 67.6%+32.4pp |
| Annual return | 17.12% | 23.61%-6.5pp | 107.26%-90.1pp | 35.62%-18.5pp |
| Employer contribution / active EE | $2,024 | $2,052-1.3% | $3,465-41.6% | $2,756-26.5% |
| Participant deferral / active EE | $4,844 | $3,174+52.6% | $4,991-2.9% | $4,297+12.7% |
| Admin fee / account holder | $1,420 | $5,734-75.2% | $9,429-84.9% | $6,935-79.5% |