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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 | $38,419 | $57,140-32.8% | $85,240-54.9% | $80,959-52.5% |
| Participation rate | 100.0% | 56.4%+43.6pp | 67.5%+32.5pp | 67.7%+32.3pp |
| Annual return | 17.43% | 21.71%-4.3pp | 66.75%-49.3pp | 35.67%-18.2pp |
| Employer contribution / active EE | $1,436 | $1,802-20.3% | $2,735-47.5% | $2,757-47.9% |
| Participant deferral / active EE | $6,487 | $3,115+108.3% | $4,527+43.3% | $4,300+50.9% |
| Admin fee / account holder | $1,103 | $4,992-77.9% | $6,165-82.1% | $6,925-84.1% |