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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 | $43,613 | $81,504-46.5% | $102,437-57.4% | $80,959-46.1% |
| Participation rate | 100.0% | 66.9%+33.1pp | 74.5%+25.5pp | 67.7%+32.3pp |
| Annual return | 13.21% | 25.60%-12.4pp | 24.95%-11.7pp | 35.67%-22.5pp |
| Employer contribution / active EE | $6,584 | $3,104+112.1% | $3,871+70.1% | $2,757+138.8% |
| Participant deferral / active EE | $3,516 | $3,871-9.2% | $5,060-30.5% | $4,300-18.2% |
| Admin fee / account holder | $2,416 | $6,719-64.0% | $8,388-71.2% | $6,925-65.1% |