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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 | $81,358-43.9% | $155,556-70.7% | $80,959-43.6% |
| Participation rate | 100.0% | 66.3%+33.7pp | 78.2%+21.8pp | 67.7%+32.3pp |
| Annual return | 12.04% | 33.39%-21.3pp | 64.84%-52.8pp | 35.67%-23.6pp |
| Employer contribution / active EE | $2,507 | $3,106-19.3% | $4,675-46.4% | $2,757-9.1% |
| Participant deferral / active EE | $1,672 | $3,455-51.6% | $5,631-70.3% | $4,300-61.1% |
| Admin fee / account holder | $590 | $7,994-92.6% | $15,885-96.3% | $6,925-91.5% |