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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 | $39,131 | $110,137-64.5% | $161,149-75.7% | $82,637-52.6% |
| Participation rate | 100.0% | 72.4%+27.6pp | 78.8%+21.2pp | 68.1%+31.9pp |
| Annual return | 15.72% | 20.69%-5.0pp | 21.16%-5.4pp | 53.51%-37.8pp |
| Employer contribution / active EE | $2,784 | $2,856-2.5% | $4,360-36.2% | $2,552+9.1% |
| Participant deferral / active EE | $4,537 | $4,575-0.8% | $6,153-26.3% | $4,126+9.9% |
| Admin fee / account holder | $2,721 | $9,467-71.3% | $15,194-82.1% | $7,339-62.9% |