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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 | $46,153 | $105,623-56.3% | $87,502-47.3% | $273,972-83.2% |
| Participation rate | 100.0% | 78.2%+21.8pp | 73.8%+26.2pp | 83.0%+17.0pp |
| Annual return | 9.54% | 12.26%-2.7pp | 12.21%-2.7pp | 41.46%-31.9pp |
| Employer contribution / active EE | $15,832 | $3,141+404.1% | $2,550+520.9% | $4,869+225.2% |
| Participant deferral / active EE | $6,426 | $3,601+78.5% | $3,149+104.1% | $5,287+21.5% |
| Admin fee / account holder | $349 | $4,781-92.7% | $4,221-91.7% | $10,133-96.6% |