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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 | $30,753 | $56,544-45.6% | $75,501-59.3% | $70,126-56.1% |
| Participation rate | 100.0% | 68.1%+31.9pp | 72.4%+27.6pp | 69.5%+30.5pp |
| Annual return | 14.03% | 23.59%-9.6pp | 27.35%-13.3pp | 73.15%-59.1pp |
| Employer contribution / active EE | $2,321 | $1,817+27.8% | $2,352-1.3% | $2,343-0.9% |
| Participant deferral / active EE | $1,505 | $2,580-41.6% | $3,142-52.1% | $3,332-54.8% |
| Admin fee / account holder | $1,129 | $3,827-70.5% | $5,801-80.5% | $4,645-75.7% |