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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 | $57,065 | $81,331-29.8% | $155,534-63.3% | $80,935-29.5% |
| Participation rate | 100.0% | 66.3%+33.7pp | 78.2%+21.8pp | 67.7%+32.3pp |
| Annual return | 13.14% | 33.37%-20.2pp | 64.92%-51.8pp | 35.66%-22.5pp |
| Employer contribution / active EE | $2,577 | $3,105-17.0% | $4,675-44.9% | $2,757-6.5% |
| Participant deferral / active EE | $3,275 | $3,454-5.2% | $5,630-41.8% | $4,299-23.8% |
| Admin fee / account holder | $787 | $7,999-90.2% | $15,900-95.1% | $6,924-88.6% |