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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 | $31,982 | $67,411-52.6% | $91,004-64.9% | $70,126-54.4% |
| Participation rate | 100.0% | 71.4%+28.6pp | 75.6%+24.4pp | 69.5%+30.5pp |
| Annual return | 15.78% | -40.16%+55.9pp | 4.60%+11.2pp | 73.15%-57.4pp |
| Employer contribution / active EE | $3,758 | $1,786+110.4% | $2,456+53.0% | $2,343+60.4% |
| Participant deferral / active EE | $2,023 | $2,823-28.3% | $3,548-43.0% | $3,332-39.3% |
| Admin fee / account holder | $1,976 | $4,236-53.4% | $5,417-63.5% | $4,645-57.5% |