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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 | $37,813 | $56,544-33.1% | $75,501-49.9% | $70,126-46.1% |
| Participation rate | 100.0% | 68.1%+31.9pp | 72.4%+27.6pp | 69.5%+30.5pp |
| Annual return | 15.61% | 23.59%-8.0pp | 27.35%-11.7pp | 73.15%-57.5pp |
| Employer contribution / active EE | $2,918 | $1,817+60.6% | $2,352+24.1% | $2,343+24.6% |
| Participant deferral / active EE | $3,775 | $2,580+46.3% | $3,142+20.1% | $3,332+13.3% |
| Admin fee / account holder | $1,649 | $3,827-56.9% | $5,801-71.6% | $4,645-64.5% |