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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 | $21,884 | $70,486-69.0% | $100,535-78.2% | $79,856-72.6% |
| Participation rate | 100.0% | 73.6%+26.4pp | 79.4%+20.6pp | 69.6%+30.4pp |
| Annual return | 22.23% | 21.90%+0.3pp | 30.90%-8.7pp | 31.71%-9.5pp |
| Employer contribution / active EE | $1,698 | $2,165-21.6% | $3,419-50.3% | $2,471-31.3% |
| Participant deferral / active EE | $2,716 | $5,182-47.6% | $6,271-56.7% | $3,741-27.4% |
| Admin fee / account holder | $381 | $4,480-91.5% | $8,085-95.3% | $5,306-92.8% |