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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 | $57,065-46.1% | $75,670-59.4% | $70,131-56.1% |
| Participation rate | 100.0% | 68.1%+31.9pp | 72.3%+27.7pp | 69.5%+30.5pp |
| Annual return | 14.03% | 23.57%-9.5pp | 27.34%-13.3pp | 73.14%-59.1pp |
| Employer contribution / active EE | $2,321 | $1,817+27.8% | $2,352-1.3% | $2,342-0.9% |
| Participant deferral / active EE | $1,505 | $2,580-41.6% | $3,142-52.1% | $3,332-54.8% |
| Admin fee / account holder | $1,129 | $3,825-70.5% | $5,800-80.5% | $4,645-75.7% |