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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 | $40,013 | $87,546-54.3% | $75,784-47.2% | $125,389-68.1% |
| Participation rate | 100.0% | 80.2%+19.8pp | 75.8%+24.2pp | 83.2%+16.8pp |
| Annual return | 0.97% | 13.49%-12.5pp | 9.68%-8.7pp | 282.24%-281.3pp |
| Employer contribution / active EE | $5,067 | $3,930+28.9% | $3,323+52.5% | $4,866+4.1% |
| Participant deferral / active EE | $2,359 | $4,230-44.2% | $3,652-35.4% | $5,352-55.9% |
| Admin fee / account holder | $783 | $6,503-88.0% | $5,300-85.2% | $9,541-91.8% |