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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 | $45,649 | $81,233-43.8% | $155,567-70.7% | $80,874-43.6% |
| Participation rate | 100.0% | 66.2%+33.8pp | 78.2%+21.8pp | 67.6%+32.4pp |
| Annual return | 12.04% | 33.33%-21.3pp | 64.74%-52.7pp | 35.62%-23.6pp |
| Employer contribution / active EE | $2,507 | $3,101-19.2% | $4,674-46.4% | $2,756-9.0% |
| Participant deferral / active EE | $1,672 | $3,452-51.6% | $5,628-70.3% | $4,297-61.1% |
| Admin fee / account holder | $590 | $7,998-92.6% | $15,916-96.3% | $6,935-91.5% |