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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 | $31,546 | $75,541-58.2% | $152,093-79.3% | $82,637-61.8% |
| Participation rate | 100.0% | 66.5%+33.5pp | 77.8%+22.2pp | 68.1%+31.9pp |
| Annual return | 14.29% | 32.56%-18.3pp | 66.36%-52.1pp | 53.51%-39.2pp |
| Employer contribution / active EE | $1,703 | $2,622-35.0% | $4,175-59.2% | $2,552-33.3% |
| Participant deferral / active EE | $3,913 | $3,206+22.1% | $5,451-28.2% | $4,126-5.2% |
| Admin fee / account holder | $2,181 | $6,405-66.0% | $14,497-85.0% | $7,339-70.3% |