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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 | $25,250 | $77,638-67.5% | $156,551-83.9% | $62,881-59.8% |
| Participation rate | 100.0% | 71.2%+28.8pp | 84.0%+16.0pp | 69.3%+30.7pp |
| Annual return | 5.41% | 50.33%-44.9pp | 32.23%-26.8pp | 20.14%-14.7pp |
| Employer contribution / active EE | $1,428 | $3,444-58.5% | $5,501-74.0% | $2,281-37.4% |
| Participant deferral / active EE | $2,621 | $3,046-14.0% | $4,871-46.2% | $3,203-18.2% |
| Admin fee / account holder | $2,404 | $5,561-56.8% | $13,028-81.5% | $4,296-44.0% |