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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 | $32,242 | $105,623-69.5% | $87,502-63.2% | $273,972-88.2% |
| Participation rate | 100.0% | 78.2%+21.8pp | 73.8%+26.2pp | 83.0%+17.0pp |
| Annual return | 3.92% | 12.26%-8.3pp | 12.21%-8.3pp | 41.46%-37.5pp |
| Employer contribution / active EE | $730 | $3,141-76.8% | $2,550-71.4% | $4,869-85.0% |
| Participant deferral / active EE | $2,216 | $3,601-38.5% | $3,149-29.6% | $5,287-58.1% |
| Admin fee / account holder | $1,908 | $4,781-60.1% | $4,221-54.8% | $10,133-81.2% |