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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 | $29,690 | $77,962-61.9% | $178,540-83.4% | $80,935-63.3% |
| Participation rate | 100.0% | 65.7%+34.3pp | 77.1%+22.9pp | 67.7%+32.3pp |
| Annual return | 15.27% | 18.10%-2.8pp | 27.15%-11.9pp | 35.66%-20.4pp |
| Employer contribution / active EE | $1,720 | $2,280-24.6% | $3,953-56.5% | $2,757-37.6% |
| Participant deferral / active EE | $3,605 | $4,404-18.1% | $6,281-42.6% | $4,299-16.1% |
| Admin fee / account holder | $2,321 | $7,156-67.6% | $10,424-77.7% | $6,924-66.5% |