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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 | $44,127 | $52,580-16.1% | $71,671-38.4% | $70,126-37.1% |
| Participation rate | 100.0% | 60.9%+39.1pp | 68.7%+31.3pp | 69.5%+30.5pp |
| Annual return | 16.88% | 20.25%-3.4pp | 20.65%-3.8pp | 73.15%-56.3pp |
| Employer contribution / active EE | $1,586 | $1,616-1.8% | $2,460-35.5% | $2,343-32.3% |
| Participant deferral / active EE | $2,762 | $2,386+15.8% | $3,438-19.7% | $3,332-17.1% |
| Admin fee / account holder | $2,399 | $3,653-34.3% | $5,558-56.8% | $4,645-48.4% |