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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 | $29,307 | $65,395-55.2% | $182,540-83.9% | $72,975-59.8% |
| Participation rate | 100.0% | 65.4%+34.6pp | 78.0%+22.0pp | 69.5%+30.5pp |
| Annual return | 18.46% | 27.68%-9.2pp | 148.58%-130.1pp | 81.01%-62.6pp |
| Employer contribution / active EE | $5,510 | $1,911+188.3% | $4,076+35.2% | $2,440+125.8% |
| Participant deferral / active EE | $2,272 | $3,563-36.2% | $5,525-58.9% | $3,608-37.0% |
| Admin fee / account holder | $1,039 | $4,245-75.5% | $8,593-87.9% | $5,124-79.7% |