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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 | $122,145 | $65,027+87.8% | $90,970+34.3% | $79,852+53.0% |
| Participation rate | 100.0% | 61.6%+38.4pp | 69.0%+31.0pp | 69.6%+30.4pp |
| Annual return | 13.03% | 30.45%-17.4pp | 134.58%-121.6pp | 31.72%-18.7pp |
| Employer contribution / active EE | $1,076 | $1,247-13.8% | $2,122-49.3% | $2,471-56.5% |
| Participant deferral / active EE | $5,746 | $2,512+128.8% | $3,373+70.3% | $3,740+53.6% |
| Admin fee / account holder | $3,860 | $4,535-14.9% | $5,960-35.2% | $5,306-27.3% |