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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 | $23,585 | $72,273-67.4% | $101,275-76.7% | $79,856-70.5% |
| Participation rate | 100.0% | 68.5%+31.5pp | 75.8%+24.2pp | 69.6%+30.4pp |
| Annual return | 11.49% | 22.30%-10.8pp | 46.48%-35.0pp | 31.71%-20.2pp |
| Employer contribution / active EE | $3,128 | $2,691+16.2% | $3,660-14.6% | $2,471+26.6% |
| Participant deferral / active EE | $1,673 | $3,282-49.0% | $4,371-61.7% | $3,741-55.3% |
| Admin fee / account holder | $809 | $4,401-81.6% | $5,948-86.4% | $5,306-84.7% |