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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 | $25,467 | $49,280-48.3% | $67,313-62.2% | $64,173-60.3% |
| Participation rate | 100.0% | 60.8%+39.2pp | 69.1%+30.9pp | 69.6%+30.4pp |
| Annual return | 8.18% | -1.39%+9.6pp | -4.08%+12.3pp | 7.63%+0.5pp |
| Employer contribution / active EE | $2,362 | $1,668+41.6% | $2,566-7.9% | $2,381-0.8% |
| Participant deferral / active EE | $937 | $2,484-62.3% | $3,568-73.7% | $3,470-73.0% |
| Admin fee / account holder | $670 | $3,863-82.7% | $4,507-85.1% | $4,887-86.3% |