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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 | $52,009 | $124,980-58.4% | $108,359-52.0% | $154,746-66.4% |
| Participation rate | 100.0% | 75.2%+24.8pp | 70.1%+29.9pp | 80.7%+19.3pp |
| Annual return | 14.28% | 45.00%-30.7pp | 36.89%-22.6pp | 172.34%-158.1pp |
| Employer contribution / active EE | $1,373 | $2,851-51.8% | $2,399-42.8% | $4,379-68.7% |
| Participant deferral / active EE | $3,389 | $4,743-28.5% | $4,137-18.1% | $6,730-49.6% |
| Admin fee / account holder | $4,277 | $11,502-62.8% | $9,741-56.1% | $14,365-70.2% |