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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 | $64,517-17.4% | $81,438-34.5% | $80,874-34.1% |
| Participation rate | 100.0% | 63.9%+36.1pp | 69.5%+30.5pp | 67.6%+32.4pp |
| Annual return | 11.08% | 16.35%-5.3pp | 24.74%-13.7pp | 35.62%-24.5pp |
| Employer contribution / active EE | $7,911 | $1,982+299.2% | $2,460+221.5% | $2,756+187.1% |
| Participant deferral / active EE | $0 | $3,096-100.0% | $3,883-100.0% | $4,297-100.0% |
| Admin fee / account holder | $2,637 | $5,677-53.5% | $5,764-54.2% | $6,935-62.0% |