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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 | $39,066 | $84,236-53.6% | $170,435-77.1% | $70,126-44.3% |
| Participation rate | 100.0% | 70.8%+29.2pp | 83.6%+16.4pp | 69.5%+30.5pp |
| Annual return | 15.32% | 23.06%-7.7pp | 205.94%-190.6pp | 73.15%-57.8pp |
| Employer contribution / active EE | $2,811 | $3,387-17.0% | $5,432-48.3% | $2,343+20.0% |
| Participant deferral / active EE | $2,064 | $3,086-33.1% | $4,939-58.2% | $3,332-38.0% |
| Admin fee / account holder | $1,636 | $5,698-71.3% | $13,881-88.2% | $4,645-64.8% |