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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 | $22,266 | $56,894-60.9% | $84,753-73.7% | $62,881-64.6% |
| Participation rate | 100.0% | 68.5%+31.5pp | 76.6%+23.4pp | 69.3%+30.7pp |
| Annual return | 5.59% | 6.30%-0.7pp | 22.78%-17.2pp | 20.14%-14.6pp |
| Employer contribution / active EE | $4,433 | $2,400+84.7% | $3,574+24.0% | $2,281+94.4% |
| Participant deferral / active EE | $2,919 | $2,709+7.7% | $3,712-21.4% | $3,203-8.9% |
| Admin fee / account holder | $306 | $3,581-91.4% | $5,333-94.3% | $4,296-92.9% |