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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 | $56,246 | $124,980-55.0% | $108,359-48.1% | $154,746-63.7% |
| Participation rate | 100.0% | 75.2%+24.8pp | 70.1%+29.9pp | 80.7%+19.3pp |
| Annual return | 21.74% | 45.00%-23.3pp | 36.89%-15.2pp | 172.34%-150.6pp |
| Employer contribution / active EE | $1,709 | $2,851-40.0% | $2,399-28.8% | $4,379-61.0% |
| Participant deferral / active EE | $3,000 | $4,743-36.7% | $4,137-27.5% | $6,730-55.4% |
| Admin fee / account holder | $805 | $11,502-93.0% | $9,741-91.7% | $14,365-94.4% |