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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 | $35,246 | $88,707-60.3% | $74,184-52.5% | $273,972-87.1% |
| Participation rate | 100.0% | 79.4%+20.6pp | 76.6%+23.4pp | 83.0%+17.0pp |
| Annual return | 3.99% | 11.94%-8.0pp | 17.74%-13.7pp | 41.46%-37.5pp |
| Employer contribution / active EE | $1,419 | $3,159-55.1% | $2,370-40.1% | $4,869-70.9% |
| Participant deferral / active EE | $1,237 | $4,212-70.6% | $3,550-65.2% | $5,287-76.6% |
| Admin fee / account holder | $3,137 | $8,717-64.0% | $5,586-43.8% | $10,133-69.0% |