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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 | $41,436 | $106,864-61.2% | $147,318-71.9% | $82,637-49.9% |
| Participation rate | 100.0% | 75.5%+24.5pp | 82.1%+17.9pp | 68.1%+31.9pp |
| Annual return | 18.95% | 27.49%-8.5pp | 70.43%-51.5pp | 53.51%-34.6pp |
| Employer contribution / active EE | $2,451 | $3,417-28.3% | $4,593-46.6% | $2,552-4.0% |
| Participant deferral / active EE | $8,827 | $6,496+35.9% | $7,906+11.6% | $4,126+113.9% |
| Admin fee / account holder | $4,351 | $8,415-48.3% | $13,708-68.3% | $7,339-40.7% |