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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 | $18,948 | $112,729-83.2% | $98,716-80.8% | $137,256-86.2% |
| Participation rate | 100.0% | 74.2%+25.8pp | 69.3%+30.7pp | 80.0%+20.0pp |
| Annual return | 24.37% | 38.48%-14.1pp | 31.81%-7.4pp | 220.34%-196.0pp |
| Employer contribution / active EE | $1,385 | $2,725-49.2% | $2,279-39.2% | $4,156-66.7% |
| Participant deferral / active EE | $3,822 | $4,640-17.6% | $4,048-5.6% | $6,407-40.4% |
| Admin fee / account holder | $1,074 | $10,129-89.4% | $8,703-87.7% | $12,270-91.2% |