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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 | $71,230-67.0% | $93,727-74.9% | $80,959-70.9% |
| Participation rate | 100.0% | 60.4%+39.6pp | 68.7%+31.3pp | 67.7%+32.3pp |
| Annual return | 12.94% | 11.26%+1.7pp | 133.83%-120.9pp | 35.67%-22.7pp |
| Employer contribution / active EE | $2,864 | $1,565+83.0% | $2,421+18.3% | $2,757+3.9% |
| Participant deferral / active EE | $1,791 | $4,037-55.6% | $4,417-59.4% | $4,300-58.3% |
| Admin fee / account holder | $3,629 | $6,961-47.9% | $8,292-56.2% | $6,925-47.6% |