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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 | $39,339 | $65,364-39.8% | $92,909-57.7% | $72,975-46.1% |
| Participation rate | 100.0% | 68.3%+31.7pp | 76.0%+24.0pp | 69.5%+30.5pp |
| Annual return | 21.12% | 42.11%-21.0pp | 109.44%-88.3pp | 81.01%-59.9pp |
| Employer contribution / active EE | $5,457 | $2,594+110.4% | $3,653+49.4% | $2,440+123.7% |
| Participant deferral / active EE | $2,624 | $3,128-16.1% | $4,238-38.1% | $3,608-27.3% |
| Admin fee / account holder | $1,188 | $4,251-72.1% | $5,795-79.5% | $5,124-76.8% |