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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 | $85,356 | $90,486-5.7% | $78,676+8.5% | $273,972-68.8% |
| Participation rate | 100.0% | 76.5%+23.5pp | 73.6%+26.4pp | 83.0%+17.0pp |
| Annual return | 6.24% | 75.62%-69.4pp | 62.19%-55.9pp | 41.46%-35.2pp |
| Employer contribution / active EE | $1,081 | $3,175-65.9% | $2,850-62.1% | $4,869-77.8% |
| Participant deferral / active EE | $1,535 | $3,901-60.7% | $3,517-56.4% | $5,287-71.0% |
| Admin fee / account holder | $362 | $5,263-93.1% | $4,510-92.0% | $10,133-96.4% |