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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 | $88,705 | $65,704+35.0% | $94,229-5.9% | $59,633+48.8% |
| Participation rate | 100.0% | 72.1%+27.9pp | 78.8%+21.2pp | 68.7%+31.3pp |
| Annual return | 2.40% | 5.22%-2.8pp | 10.68%-8.3pp | 2041.45%-2039.1pp |
| Employer contribution / active EE | $2,706 | $2,021+33.9% | $3,587-24.6% | $2,203+22.8% |
| Participant deferral / active EE | $3,036 | $3,143-3.4% | $4,320-29.7% | $3,192-4.9% |
| Admin fee / account holder | $3,458 | $4,265-18.9% | $6,269-44.8% | $4,297-19.5% |