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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 | $70,051 | $86,940-19.4% | $102,434-31.6% | $80,935-13.4% |
| Participation rate | 100.0% | 72.4%+27.6pp | 76.5%+23.5pp | 67.7%+32.3pp |
| Annual return | 15.11% | 18.89%-3.8pp | 29.46%-14.3pp | 35.66%-20.6pp |
| Employer contribution / active EE | $1,526 | $2,370-35.6% | $3,023-49.5% | $2,757-44.7% |
| Participant deferral / active EE | $3,507 | $4,121-14.9% | $5,055-30.6% | $4,299-18.4% |
| Admin fee / account holder | $2,306 | $8,047-71.3% | $9,462-75.6% | $6,924-66.7% |