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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 | $55,249 | $96,558-42.8% | $80,977-31.8% | $273,972-79.8% |
| Participation rate | 100.0% | 79.1%+20.9pp | 75.8%+24.2pp | 83.0%+17.0pp |
| Annual return | 8.32% | 15.14%-6.8pp | 17.11%-8.8pp | 41.46%-33.1pp |
| Employer contribution / active EE | $12,502 | $4,869+156.8% | $3,715+236.6% | $4,869+156.8% |
| Participant deferral / active EE | $3,404 | $6,598-48.4% | $5,696-40.2% | $5,287-35.6% |
| Admin fee / account holder | $1,109 | $7,493-85.2% | $5,517-79.9% | $10,133-89.1% |