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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 | $31,720 | $52,678-39.8% | $75,784-58.1% | $59,633-46.8% |
| Participation rate | 100.0% | 67.2%+32.8pp | 75.8%+24.2pp | 68.7%+31.3pp |
| Annual return | 1.79% | 2.95%-1.2pp | 9.68%-7.9pp | 2041.40%-2039.6pp |
| Employer contribution / active EE | $2,014 | $2,193-8.2% | $3,323-39.4% | $2,203-8.6% |
| Participant deferral / active EE | $3,857 | $2,591+48.9% | $3,652+5.6% | $3,192+20.9% |
| Admin fee / account holder | $1,238 | $3,610-65.7% | $5,300-76.6% | $4,297-71.2% |