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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 | $41,794 | $72,177-42.1% | $115,038-63.7% | $59,633-29.9% |
| Participation rate | 100.0% | 72.6%+27.4pp | 81.4%+18.6pp | 68.7%+31.3pp |
| Annual return | 1.44% | 12.02%-10.6pp | 26.14%-24.7pp | 2041.45%-2040.0pp |
| Employer contribution / active EE | $5,883 | $2,841+107.1% | $4,608+27.7% | $2,203+167.1% |
| Participant deferral / active EE | $3,759 | $4,783-21.4% | $6,026-37.6% | $3,192+17.8% |
| Admin fee / account holder | $1,519 | $4,927-69.2% | $8,175-81.4% | $4,297-64.6% |