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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 | $47,579 | $72,027-33.9% | $185,861-74.4% | $79,856-40.4% |
| Participation rate | 100.0% | 65.8%+34.2pp | 78.0%+22.0pp | 69.6%+30.4pp |
| Annual return | 14.21% | 23.13%-8.9pp | 35.96%-21.8pp | 31.71%-17.5pp |
| Employer contribution / active EE | $1,743 | $1,965-11.3% | $4,088-57.4% | $2,471-29.5% |
| Participant deferral / active EE | $2,585 | $3,780-31.6% | $5,634-54.1% | $3,741-30.9% |
| Admin fee / account holder | $450 | $4,513-90.0% | $9,503-95.3% | $5,306-91.5% |