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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 | $40,906 | $72,177-43.3% | $115,038-64.4% | $59,633-31.4% |
| Participation rate | 100.0% | 72.6%+27.4pp | 81.4%+18.6pp | 68.7%+31.3pp |
| Annual return | 1.35% | 12.02%-10.7pp | 26.14%-24.8pp | 2041.45%-2040.1pp |
| Employer contribution / active EE | $5,001 | $2,841+76.0% | $4,608+8.5% | $2,203+127.1% |
| Participant deferral / active EE | $3,733 | $4,783-22.0% | $6,026-38.1% | $3,192+17.0% |
| Admin fee / account holder | $2,902 | $4,927-41.1% | $8,175-64.5% | $4,297-32.5% |