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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 | $59,440-50.8% | $78,004-62.5% | $82,637-64.6% |
| Participation rate | 100.0% | 62.8%+37.2pp | 69.4%+30.6pp | 68.1%+31.9pp |
| Annual return | 13.08% | 40.24%-27.2pp | 31.07%-18.0pp | 53.51%-40.4pp |
| Employer contribution / active EE | $2,426 | $1,750+38.6% | $2,469-1.7% | $2,552-4.9% |
| Participant deferral / active EE | $2,069 | $3,138-34.1% | $4,092-49.4% | $4,126-49.9% |
| Admin fee / account holder | $11,431 | $5,504+107.7% | $7,578+50.8% | $7,339+55.8% |