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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 | $63,988 | $99,345-35.6% | $84,753-24.5% | $273,972-76.6% |
| Participation rate | 100.0% | 80.7%+19.3pp | 76.6%+23.4pp | 83.0%+17.0pp |
| Annual return | 6.67% | 22.93%-16.3pp | 22.78%-16.1pp | 41.46%-34.8pp |
| Employer contribution / active EE | $2,189 | $4,214-48.1% | $3,574-38.8% | $4,869-55.0% |
| Participant deferral / active EE | $3,642 | $4,270-14.7% | $3,712-1.9% | $5,287-31.1% |
| Admin fee / account holder | $1,053 | $6,645-84.2% | $5,333-80.3% | $10,133-89.6% |