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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 | $47,610 | $97,125-51.0% | $86,233-44.8% | $137,256-65.3% |
| Participation rate | 100.0% | 74.2%+25.8pp | 69.0%+31.0pp | 80.0%+20.0pp |
| Annual return | 20.52% | 74.19%-53.7pp | 61.39%-40.9pp | 220.34%-199.8pp |
| Employer contribution / active EE | $1,731 | $2,841-39.1% | $2,504-30.9% | $4,156-58.3% |
| Participant deferral / active EE | $9,364 | $5,180+80.8% | $4,559+105.4% | $6,407+46.2% |
| Admin fee / account holder | $1,916 | $9,725-80.3% | $8,342-77.0% | $12,270-84.4% |