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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 | $11,739 | $81,358-85.6% | $155,556-92.5% | $80,959-85.5% |
| Participation rate | 100.0% | 66.3%+33.7pp | 78.2%+21.8pp | 67.7%+32.3pp |
| Annual return | 13.45% | 33.39%-19.9pp | 64.84%-51.4pp | 35.67%-22.2pp |
| Employer contribution / active EE | $1,616 | $3,106-48.0% | $4,675-65.4% | $2,757-41.4% |
| Participant deferral / active EE | $1,106 | $3,455-68.0% | $5,631-80.3% | $4,300-74.3% |
| Admin fee / account holder | $1,143 | $7,994-85.7% | $15,885-92.8% | $6,925-83.5% |