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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 | $30,422 | $75,541-59.7% | $152,093-80.0% | $82,637-63.2% |
| Participation rate | 100.0% | 66.5%+33.5pp | 77.8%+22.2pp | 68.1%+31.9pp |
| Annual return | 18.18% | 32.56%-14.4pp | 66.36%-48.2pp | 53.51%-35.3pp |
| Employer contribution / active EE | $1,591 | $2,622-39.3% | $4,175-61.9% | $2,552-37.6% |
| Participant deferral / active EE | $4,444 | $3,206+38.6% | $5,451-18.5% | $4,126+7.7% |
| Admin fee / account holder | $1,859 | $6,405-71.0% | $14,497-87.2% | $7,339-74.7% |