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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 | $50,695 | $105,623-52.0% | $87,502-42.1% | $273,972-81.5% |
| Participation rate | 100.0% | 78.2%+21.8pp | 73.8%+26.2pp | 83.0%+17.0pp |
| Annual return | 1.06% | 12.26%-11.2pp | 12.21%-11.2pp | 41.46%-40.4pp |
| Employer contribution / active EE | $7,265 | $3,141+131.3% | $2,550+184.9% | $4,869+49.2% |
| Participant deferral / active EE | $4,703 | $3,601+30.6% | $3,149+49.4% | $5,287-11.0% |
| Admin fee / account holder | $1,276 | $4,781-73.3% | $4,221-69.8% | $10,133-87.4% |