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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 | $23,348 | $74,535-68.7% | $100,712-76.8% | $82,637-71.7% |
| Participation rate | 100.0% | 61.2%+38.8pp | 69.3%+30.7pp | 68.1%+31.9pp |
| Annual return | 20.40% | 18.92%+1.5pp | 33.27%-12.9pp | 53.51%-33.1pp |
| Employer contribution / active EE | $2,317 | $1,503+54.2% | $2,313+0.2% | $2,552-9.2% |
| Participant deferral / active EE | $3,869 | $3,074+25.9% | $4,085-5.3% | $4,126-6.2% |
| Admin fee / account holder | $1,129 | $6,576-82.8% | $9,256-87.8% | $7,339-84.6% |