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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 | $35,304 | $81,331-56.6% | $155,534-77.3% | $80,935-56.4% |
| Participation rate | 100.0% | 66.3%+33.7pp | 78.2%+21.8pp | 67.7%+32.3pp |
| Annual return | 11.76% | 33.37%-21.6pp | 64.92%-53.2pp | 35.66%-23.9pp |
| Employer contribution / active EE | $2,406 | $3,105-22.5% | $4,675-48.5% | $2,757-12.7% |
| Participant deferral / active EE | $1,411 | $3,454-59.2% | $5,630-74.9% | $4,299-67.2% |
| Admin fee / account holder | $17,253 | $7,999+115.7% | $15,900+8.5% | $6,924+149.2% |