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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 | $36,810 | $46,877-21.5% | $122,342-69.9% | $70,131-47.5% |
| Participation rate | 100.0% | 58.2%+41.8pp | 71.6%+28.4pp | 69.5%+30.5pp |
| Annual return | 15.42% | 24.22%-8.8pp | 30.28%-14.9pp | 73.14%-57.7pp |
| Employer contribution / active EE | $3,493 | $1,288+171.1% | $4,051-13.8% | $2,342+49.1% |
| Participant deferral / active EE | $2,126 | $2,167-1.9% | $3,287-35.3% | $3,332-36.2% |
| Admin fee / account holder | $2,423 | $3,324-27.1% | $5,478-55.8% | $4,645-47.8% |