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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 | $31,186 | $99,345-68.6% | $84,753-63.2% | $273,972-88.6% |
| Participation rate | 100.0% | 80.7%+19.3pp | 76.6%+23.4pp | 83.0%+17.0pp |
| Annual return | 7.84% | 22.93%-15.1pp | 22.78%-14.9pp | 41.46%-33.6pp |
| Employer contribution / active EE | $2,438 | $4,214-42.1% | $3,574-31.8% | $4,869-49.9% |
| Participant deferral / active EE | $6,309 | $4,270+47.8% | $3,712+70.0% | $5,287+19.3% |
| Admin fee / account holder | $2,507 | $6,645-62.3% | $5,333-53.0% | $10,133-75.3% |