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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 | $62,726 | $88,672-29.3% | $105,223-40.4% | $82,448-23.9% |
| Participation rate | 100.0% | 67.9%+32.1pp | 75.0%+25.0pp | 68.1%+31.9pp |
| Annual return | 16.45% | 30.86%-14.4pp | 180.65%-164.2pp | 41.64%-25.2pp |
| Employer contribution / active EE | $1,893 | $3,048-37.9% | $3,689-48.7% | $2,551-25.8% |
| Participant deferral / active EE | $5,011 | $4,036+24.2% | $5,072-1.2% | $4,139+21.1% |
| Admin fee / account holder | $2,925 | $7,146-59.1% | $8,859-67.0% | $7,234-59.6% |