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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 | $23,213 | $39,162-40.7% | $100,671-76.9% | $59,633-61.1% |
| Participation rate | 100.0% | 55.9%+44.1pp | 70.7%+29.3pp | 68.7%+31.3pp |
| Annual return | 1.42% | 21.07%-19.7pp | 20.43%-19.0pp | 2041.45%-2040.0pp |
| Employer contribution / active EE | $1,468 | $1,151+27.6% | $4,012-63.4% | $2,203-33.3% |
| Participant deferral / active EE | $1,833 | $1,992-8.0% | $3,144-41.7% | $3,192-42.6% |
| Admin fee / account holder | $463 | $2,969-84.4% | $4,850-90.5% | $4,297-89.2% |