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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 | $32,839 | $77,896-57.8% | $134,172-75.5% | $82,448-60.2% |
| Participation rate | 100.0% | 62.8%+37.2pp | 72.5%+27.5pp | 68.1%+31.9pp |
| Annual return | 17.25% | 18.21%-1.0pp | 25.30%-8.0pp | 41.64%-24.4pp |
| Employer contribution / active EE | $6,102 | $2,159+182.6% | $3,420+78.4% | $2,551+139.2% |
| Participant deferral / active EE | $3,097 | $3,162-2.0% | $4,690-34.0% | $4,139-25.2% |
| Admin fee / account holder | $2,283 | $6,336-64.0% | $12,016-81.0% | $7,234-68.4% |