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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 | $39,830 | $99,053-59.8% | $88,179-54.8% | $138,895-71.3% |
| Participation rate | 100.0% | 74.2%+25.8pp | 69.1%+30.9pp | 79.9%+20.1pp |
| Annual return | 18.62% | 78.17%-59.5pp | 64.97%-46.3pp | 145.39%-126.8pp |
| Employer contribution / active EE | $1,340 | $2,882-53.5% | $2,549-47.4% | $4,194-68.1% |
| Participant deferral / active EE | $2,859 | $5,225-45.3% | $4,614-38.0% | $6,396-55.3% |
| Admin fee / account holder | $879 | $8,748-90.0% | $7,673-88.5% | $12,562-93.0% |