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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 | $29,220 | $72,471-59.7% | $94,215-69.0% | $86,983-66.4% |
| Participation rate | 100.0% | 63.9%+36.1pp | 70.0%+30.0pp | 69.5%+30.5pp |
| Annual return | 13.08% | 26.44%-13.4pp | 28.22%-15.1pp | 25.83%-12.7pp |
| Employer contribution / active EE | $2,426 | $1,936+25.3% | $2,675-9.3% | $2,584-6.1% |
| Participant deferral / active EE | $2,069 | $3,397-39.1% | $4,276-51.6% | $4,194-50.7% |
| Admin fee / account holder | $11,431 | $6,468+76.7% | $10,216+11.9% | $7,856+45.5% |