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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 | $54,937 | $81,358-32.5% | $155,556-64.7% | $80,959-32.1% |
| Participation rate | 100.0% | 66.3%+33.7pp | 78.2%+21.8pp | 67.7%+32.3pp |
| Annual return | 11.11% | 33.39%-22.3pp | 64.84%-53.7pp | 35.67%-24.6pp |
| Employer contribution / active EE | $2,167 | $3,106-30.2% | $4,675-53.6% | $2,757-21.4% |
| Participant deferral / active EE | $2,731 | $3,455-21.0% | $5,631-51.5% | $4,300-36.5% |
| Admin fee / account holder | $22,299 | $7,994+179.0% | $15,885+40.4% | $6,925+222.0% |