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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 | $44,066 | $67,606-34.8% | $82,313-46.5% | $70,124-37.2% |
| Participation rate | 100.0% | 72.8%+27.2pp | 76.9%+23.1pp | 69.5%+30.5pp |
| Annual return | 20.35% | 21.57%-1.2pp | 25.88%-5.5pp | 73.14%-52.8pp |
| Employer contribution / active EE | $805 | $1,755-54.1% | $2,428-66.8% | $2,342-65.6% |
| Participant deferral / active EE | $2,283 | $2,987-23.6% | $3,706-38.4% | $3,332-31.5% |
| Admin fee / account holder | $2,105 | $4,512-53.4% | $5,608-62.5% | $4,645-54.7% |