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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 | $53,311 | $63,845-16.5% | $81,370-34.5% | $80,959-34.2% |
| Participation rate | 100.0% | 63.9%+36.1pp | 69.5%+30.5pp | 67.7%+32.3pp |
| Annual return | 11.08% | 16.37%-5.3pp | 24.85%-13.8pp | 35.67%-24.6pp |
| Employer contribution / active EE | $7,911 | $1,980+299.6% | $2,464+221.1% | $2,757+186.9% |
| Participant deferral / active EE | $0 | $3,093-100.0% | $3,885-100.0% | $4,300-100.0% |
| Admin fee / account holder | $2,637 | $5,688-53.6% | $5,749-54.1% | $6,925-61.9% |