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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 | $57,057-29.9% | $85,009-52.9% | $80,874-50.5% |
| Participation rate | 100.0% | 56.4%+43.6pp | 67.5%+32.5pp | 67.6%+32.4pp |
| Annual return | 11.49% | 21.66%-10.2pp | 66.47%-55.0pp | 35.62%-24.1pp |
| Employer contribution / active EE | $3,089 | $1,799+71.7% | $2,728+13.2% | $2,756+12.1% |
| Participant deferral / active EE | $5,052 | $3,112+62.4% | $4,522+11.7% | $4,297+17.6% |
| Admin fee / account holder | $1,717 | $4,986-65.6% | $6,153-72.1% | $6,935-75.2% |