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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 | $22,807 | $72,269-68.4% | $101,271-77.5% | $79,852-71.4% |
| Participation rate | 100.0% | 68.5%+31.5pp | 75.8%+24.2pp | 69.6%+30.4pp |
| Annual return | 11.68% | 22.29%-10.6pp | 46.48%-34.8pp | 31.72%-20.0pp |
| Employer contribution / active EE | $1,827 | $2,692-32.1% | $3,660-50.1% | $2,471-26.1% |
| Participant deferral / active EE | $3,891 | $3,282+18.6% | $4,371-11.0% | $3,740+4.0% |
| Admin fee / account holder | $2,540 | $4,401-42.3% | $5,948-57.3% | $5,306-52.1% |