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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 | $39,831 | $54,541-27.0% | $78,778-49.4% | $70,124-43.2% |
| Participation rate | 100.0% | 60.8%+39.2pp | 69.2%+30.8pp | 69.5%+30.5pp |
| Annual return | 13.51% | 21.07%-7.6pp | 35.62%-22.1pp | 73.14%-59.6pp |
| Employer contribution / active EE | $2,811 | $1,089+158.2% | $1,986+41.5% | $2,342+20.0% |
| Participant deferral / active EE | $2,559 | $2,210+15.8% | $2,958-13.5% | $3,332-23.2% |
| Admin fee / account holder | $6,056 | $3,709+63.3% | $5,134+18.0% | $4,645+30.4% |