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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 | $32,277 | $69,977-53.9% | $108,582-70.3% | $62,881-48.7% |
| Participation rate | 100.0% | 72.9%+27.1pp | 79.6%+20.4pp | 69.3%+30.7pp |
| Annual return | 6.45% | 10.73%-4.3pp | -51.70%+58.2pp | 20.14%-13.7pp |
| Employer contribution / active EE | $4,334 | $2,135+103.0% | $3,758+15.3% | $2,281+90.0% |
| Participant deferral / active EE | $1,451 | $3,165-54.2% | $4,311-66.3% | $3,203-54.7% |
| Admin fee / account holder | $569 | $5,076-88.8% | $7,645-92.6% | $4,296-86.8% |