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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 | $15,163 | $55,889-72.9% | $76,119-80.1% | $80,935-81.3% |
| Participation rate | 100.0% | 62.1%+37.9pp | 69.1%+30.9pp | 67.7%+32.3pp |
| Annual return | 28.90% | 20.58%+8.3pp | 361.25%-332.3pp | 35.66%-6.8pp |
| Employer contribution / active EE | $2,252 | $1,866+20.7% | $2,693-16.4% | $2,757-18.3% |
| Participant deferral / active EE | $5,222 | $3,051+71.1% | $4,259+22.6% | $4,299+21.5% |
| Admin fee / account holder | $2,015 | $5,241-61.6% | $6,421-68.6% | $6,924-70.9% |