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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 | $39,044 | $53,128-26.5% | $86,582-54.9% | $70,126-44.3% |
| Participation rate | 100.0% | 65.3%+34.7pp | 73.5%+26.5pp | 69.5%+30.5pp |
| Annual return | 15.15% | 27.66%-12.5pp | 965.08%-949.9pp | 73.15%-58.0pp |
| Employer contribution / active EE | $1,396 | $2,068-32.5% | $2,839-50.8% | $2,343-40.4% |
| Participant deferral / active EE | $3,920 | $2,695+45.4% | $3,609+8.6% | $3,332+17.6% |
| Admin fee / account holder | $2,840 | $3,584-20.8% | $4,904-42.1% | $4,645-38.9% |