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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 | $46,493 | $107,809-56.9% | $97,032-52.1% | $155,188-70.0% |
| Participation rate | 100.0% | 75.5%+24.5pp | 71.6%+28.4pp | 80.8%+19.2pp |
| Annual return | 12.82% | 38.06%-25.2pp | 35.38%-22.6pp | 148.84%-136.0pp |
| Employer contribution / active EE | $1,286 | $2,911-55.8% | $2,629-51.1% | $4,248-69.7% |
| Participant deferral / active EE | $2,080 | $5,129-59.4% | $4,672-55.5% | $6,531-68.1% |
| Admin fee / account holder | $3,305 | $10,717-69.2% | $9,418-64.9% | $14,480-77.2% |