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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 | $45,828 | $53,774-14.8% | $134,162-65.8% | $79,856-42.6% |
| Participation rate | 100.0% | 58.8%+41.2pp | 72.2%+27.8pp | 69.6%+30.4pp |
| Annual return | 12.66% | 19.01%-6.3pp | 36.35%-23.7pp | 31.71%-19.1pp |
| Employer contribution / active EE | $3,062 | $1,322+131.7% | $3,705-17.4% | $2,471+23.9% |
| Participant deferral / active EE | $2,180 | $2,420-9.9% | $3,500-37.7% | $3,741-41.7% |
| Admin fee / account holder | $2,129 | $3,985-46.6% | $6,685-68.2% | $5,306-59.9% |