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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 | $23,666 | $88,707-73.3% | $74,184-68.1% | $273,972-91.4% |
| Participation rate | 100.0% | 79.4%+20.6pp | 76.6%+23.4pp | 83.0%+17.0pp |
| Annual return | 5.20% | 11.94%-6.7pp | 17.74%-12.5pp | 41.46%-36.3pp |
| Employer contribution / active EE | $1,825 | $3,159-42.2% | $2,370-23.0% | $4,869-62.5% |
| Participant deferral / active EE | $2,593 | $4,212-38.4% | $3,550-27.0% | $5,287-51.0% |
| Admin fee / account holder | $952 | $8,717-89.1% | $5,586-83.0% | $10,133-90.6% |