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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 | $22,965 | $81,358-71.8% | $155,556-85.2% | $80,959-71.6% |
| Participation rate | 100.0% | 66.3%+33.7pp | 78.2%+21.8pp | 67.7%+32.3pp |
| Annual return | 12.19% | 33.39%-21.2pp | 64.84%-52.6pp | 35.67%-23.5pp |
| Employer contribution / active EE | $2,479 | $3,106-20.2% | $4,675-47.0% | $2,757-10.1% |
| Participant deferral / active EE | $4,149 | $3,455+20.1% | $5,631-26.3% | $4,300-3.5% |
| Admin fee / account holder | $3,438 | $7,994-57.0% | $15,885-78.4% | $6,925-50.4% |