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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 | $23,036 | $49,025-53.0% | $87,502-73.7% | $62,881-63.4% |
| Participation rate | 100.0% | 64.9%+35.1pp | 73.8%+26.2pp | 69.3%+30.7pp |
| Annual return | 5.25% | 10.02%-4.8pp | 12.21%-7.0pp | 20.14%-14.9pp |
| Employer contribution / active EE | $1,354 | $1,372-1.3% | $2,550-46.9% | $2,281-40.6% |
| Participant deferral / active EE | $2,099 | $2,289-8.3% | $3,149-33.3% | $3,203-34.5% |
| Admin fee / account holder | $6,446 | $4,065+58.6% | $4,221+52.7% | $4,296+50.1% |