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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 | $40,742 | $99,345-59.0% | $84,753-51.9% | $273,972-85.1% |
| Participation rate | 100.0% | 80.7%+19.3pp | 76.6%+23.4pp | 83.0%+17.0pp |
| Annual return | 3.83% | 22.93%-19.1pp | 22.78%-19.0pp | 41.46%-37.6pp |
| Employer contribution / active EE | $2,212 | $4,214-47.5% | $3,574-38.1% | $4,869-54.6% |
| Participant deferral / active EE | $2,304 | $4,270-46.0% | $3,712-37.9% | $5,287-56.4% |
| Admin fee / account holder | $944 | $6,645-85.8% | $5,333-82.3% | $10,133-90.7% |