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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 | $56,251 | $68,880-18.3% | $120,580-53.3% | $80,959-30.5% |
| Participation rate | 100.0% | 61.7%+38.3pp | 72.0%+28.0pp | 67.7%+32.3pp |
| Annual return | 17.37% | 23.68%-6.3pp | 107.48%-90.1pp | 35.67%-18.3pp |
| Employer contribution / active EE | $1,607 | $2,066-22.2% | $3,469-53.7% | $2,757-41.7% |
| Participant deferral / active EE | $2,442 | $3,191-23.5% | $4,995-51.1% | $4,300-43.2% |
| Admin fee / account holder | $1,049 | $5,785-81.9% | $9,418-88.9% | $6,925-84.9% |