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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 | $20,639 | $105,623-80.5% | $87,502-76.4% | $273,972-92.5% |
| Participation rate | 100.0% | 78.2%+21.8pp | 73.8%+26.2pp | 83.0%+17.0pp |
| Annual return | 3.99% | 12.26%-8.3pp | 12.21%-8.2pp | 41.46%-37.5pp |
| Employer contribution / active EE | $1,920 | $3,141-38.9% | $2,550-24.7% | $4,869-60.6% |
| Participant deferral / active EE | $9,672 | $3,601+168.6% | $3,149+207.2% | $5,287+82.9% |
| Admin fee / account holder | $1,858 | $4,781-61.1% | $4,221-56.0% | $10,133-81.7% |