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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 | $45,424 | $136,860-66.8% | $120,344-62.3% | $154,746-70.6% |
| Participation rate | 100.0% | 79.9%+20.1pp | 76.7%+23.3pp | 80.7%+19.3pp |
| Annual return | 9.29% | 21.38%-12.1pp | 20.30%-11.0pp | 172.34%-163.0pp |
| Employer contribution / active EE | $1,634 | $3,533-53.8% | $3,020-45.9% | $4,379-62.7% |
| Participant deferral / active EE | $11,324 | $5,793+95.5% | $5,135+120.5% | $6,730+68.3% |
| Admin fee / account holder | $5,575 | $15,393-63.8% | $12,742-56.2% | $14,365-61.2% |