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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 | $40,034 | $57,119-29.9% | $85,187-53.0% | $80,935-50.5% |
| Participation rate | 100.0% | 56.4%+43.6pp | 67.5%+32.5pp | 67.7%+32.3pp |
| Annual return | 17.86% | 21.70%-3.8pp | 66.67%-48.8pp | 35.66%-17.8pp |
| Employer contribution / active EE | $2,702 | $1,802+50.0% | $2,732-1.1% | $2,757-2.0% |
| Participant deferral / active EE | $4,785 | $3,115+53.6% | $4,525+5.8% | $4,299+11.3% |
| Admin fee / account holder | $2,277 | $4,990-54.4% | $6,162-63.1% | $6,924-67.1% |