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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 | $39,999 | $57,073-29.9% | $85,126-53.0% | $80,925-50.6% |
| Participation rate | 100.0% | 56.4%+43.6pp | 67.5%+32.5pp | 67.7%+32.3pp |
| Annual return | 11.49% | 21.69%-10.2pp | 66.63%-55.1pp | 35.65%-24.2pp |
| Employer contribution / active EE | $3,089 | $1,801+71.5% | $2,731+13.1% | $2,756+12.1% |
| Participant deferral / active EE | $5,052 | $3,113+62.3% | $4,523+11.7% | $4,299+17.5% |
| Admin fee / account holder | $1,717 | $4,988-65.6% | $6,160-72.1% | $6,940-75.3% |