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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 | $40,034 | $81,504-50.9% | $102,437-60.9% | $80,959-50.6% |
| Participation rate | 100.0% | 66.9%+33.1pp | 74.5%+25.5pp | 67.7%+32.3pp |
| Annual return | 15.39% | 25.60%-10.2pp | 24.95%-9.6pp | 35.67%-20.3pp |
| Employer contribution / active EE | $12,188 | $3,104+292.7% | $3,871+214.9% | $2,757+342.0% |
| Participant deferral / active EE | $3,009 | $3,871-22.3% | $5,060-40.5% | $4,300-30.0% |
| Admin fee / account holder | $4,202 | $6,719-37.5% | $8,388-49.9% | $6,925-39.3% |