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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 | $23,533 | $71,057-66.9% | $93,654-74.9% | $80,874-70.9% |
| Participation rate | 100.0% | 60.4%+39.6pp | 68.7%+31.3pp | 67.6%+32.4pp |
| Annual return | 12.94% | 11.26%+1.7pp | 133.34%-120.4pp | 35.62%-22.7pp |
| Employer contribution / active EE | $2,864 | $1,564+83.1% | $2,421+18.3% | $2,756+3.9% |
| Participant deferral / active EE | $1,791 | $4,034-55.6% | $4,413-59.4% | $4,297-58.3% |
| Admin fee / account holder | $3,629 | $6,944-47.7% | $8,282-56.2% | $6,935-47.7% |