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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 | $29,103 | $59,804-51.3% | $81,982-64.5% | $79,856-63.6% |
| Participation rate | 100.0% | 61.6%+38.4pp | 69.3%+30.7pp | 69.6%+30.4pp |
| Annual return | 18.02% | 17.56%+0.5pp | 41.31%-23.3pp | 31.71%-13.7pp |
| Employer contribution / active EE | $4,956 | $1,713+189.2% | $2,498+98.4% | $2,471+100.5% |
| Participant deferral / active EE | $2,459 | $2,695-8.8% | $3,722-33.9% | $3,741-34.3% |
| Admin fee / account holder | $1,258 | $4,288-70.7% | $5,665-77.8% | $5,306-76.3% |