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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 | $69,719 | $124,980-44.2% | $108,359-35.7% | $154,746-54.9% |
| Participation rate | 100.0% | 75.2%+24.8pp | 70.1%+29.9pp | 80.7%+19.3pp |
| Annual return | 11.41% | 45.00%-33.6pp | 36.89%-25.5pp | 172.34%-160.9pp |
| Employer contribution / active EE | $1,172 | $2,851-58.9% | $2,399-51.2% | $4,379-73.2% |
| Participant deferral / active EE | $2,813 | $4,743-40.7% | $4,137-32.0% | $6,730-58.2% |
| Admin fee / account holder | $2,346 | $11,502-79.6% | $9,741-75.9% | $14,365-83.7% |