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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 | $57,382 | $124,351-53.9% | $109,188-47.4% | $167,553-65.8% |
| Participation rate | 100.0% | 79.4%+20.6pp | 75.9%+24.1pp | 82.1%+17.9pp |
| Annual return | 14.99% | 26.04%-11.1pp | 25.76%-10.8pp | 478.89%-463.9pp |
| Employer contribution / active EE | $1,694 | $4,210-59.8% | $3,723-54.5% | $4,840-65.0% |
| Participant deferral / active EE | $2,712 | $5,257-48.4% | $4,654-41.7% | $6,343-57.2% |
| Admin fee / account holder | $5,114 | $7,975-35.9% | $6,755-24.3% | $12,316-58.5% |