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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 | $39,877 | $81,233-50.9% | $155,567-74.4% | $80,874-50.7% |
| Participation rate | 100.0% | 66.2%+33.8pp | 78.2%+21.8pp | 67.6%+32.4pp |
| Annual return | 10.65% | 33.33%-22.7pp | 64.74%-54.1pp | 35.62%-25.0pp |
| Employer contribution / active EE | $2,132 | $3,101-31.3% | $4,674-54.4% | $2,756-22.6% |
| Participant deferral / active EE | $3,270 | $3,452-5.3% | $5,628-41.9% | $4,297-23.9% |
| Admin fee / account holder | $1,425 | $7,998-82.2% | $15,916-91.0% | $6,935-79.4% |