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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 | $30,286 | $67,606-55.2% | $82,313-63.2% | $70,124-56.8% |
| Participation rate | 100.0% | 72.8%+27.2pp | 76.9%+23.1pp | 69.5%+30.5pp |
| Annual return | 13.92% | 21.57%-7.6pp | 25.88%-12.0pp | 73.14%-59.2pp |
| Employer contribution / active EE | $636 | $1,755-63.8% | $2,428-73.8% | $2,342-72.8% |
| Participant deferral / active EE | $1,609 | $2,987-46.1% | $3,706-56.6% | $3,332-51.7% |
| Admin fee / account holder | $1,485 | $4,512-67.1% | $5,608-73.5% | $4,645-68.0% |