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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 | $34,150 | $56,054-39.1% | $171,082-80.0% | $62,881-45.7% |
| Participation rate | 100.0% | 62.9%+37.1pp | 76.7%+23.3pp | 69.3%+30.7pp |
| Annual return | 9.91% | 22.52%-12.6pp | 32.56%-22.6pp | 20.14%-10.2pp |
| Employer contribution / active EE | $3,739 | $1,731+116.0% | $4,002-6.6% | $2,281+63.9% |
| Participant deferral / active EE | $5,775 | $3,158+82.9% | $4,797+20.4% | $3,203+80.3% |
| Admin fee / account holder | $486 | $3,647-86.7% | $8,520-94.3% | $4,296-88.7% |