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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 | $33,583 | $87,106-61.4% | $105,607-68.2% | $80,935-58.5% |
| Participation rate | 100.0% | 70.4%+29.6pp | 75.3%+24.7pp | 67.7%+32.3pp |
| Annual return | 13.31% | 17.01%-3.7pp | 116.11%-102.8pp | 35.66%-22.4pp |
| Employer contribution / active EE | $3,372 | $2,396+40.7% | $3,167+6.5% | $2,757+22.3% |
| Participant deferral / active EE | $9,149 | $3,986+129.5% | $5,011+82.6% | $4,299+112.8% |
| Admin fee / account holder | $4,393 | $8,447-48.0% | $10,958-59.9% | $6,924-36.6% |