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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 | $21,085 | $54,541-61.3% | $78,778-73.2% | $70,126-69.9% |
| Participation rate | 100.0% | 60.8%+39.2pp | 69.2%+30.8pp | 69.5%+30.5pp |
| Annual return | 22.93% | 21.07%+1.9pp | 35.62%-12.7pp | 73.15%-50.2pp |
| Employer contribution / active EE | $3,448 | $1,089+216.7% | $1,986+73.6% | $2,343+47.2% |
| Participant deferral / active EE | $3,554 | $2,210+60.8% | $2,958+20.1% | $3,332+6.7% |
| Admin fee / account holder | $946 | $3,709-74.5% | $5,134-81.6% | $4,645-79.6% |