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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 | $40,261 | $86,922-53.7% | $102,438-60.7% | $80,874-50.2% |
| Participation rate | 100.0% | 72.4%+27.6pp | 76.5%+23.5pp | 67.6%+32.4pp |
| Annual return | 13.35% | 18.90%-5.5pp | 29.37%-16.0pp | 35.62%-22.3pp |
| Employer contribution / active EE | $1,980 | $2,369-16.4% | $3,024-34.5% | $2,756-28.1% |
| Participant deferral / active EE | $3,456 | $4,119-16.1% | $5,054-31.6% | $4,297-19.6% |
| Admin fee / account holder | $12,469 | $8,050+54.9% | $9,448+32.0% | $6,935+79.8% |