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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 | $34,694 | $39,132-11.3% | $57,196-39.3% | $62,881-44.8% |
| Participation rate | 100.0% | 70.5%+29.5pp | 75.3%+24.7pp | 69.3%+30.7pp |
| Annual return | 3.64% | 9.24%-5.6pp | 14.59%-11.0pp | 20.14%-16.5pp |
| Employer contribution / active EE | $1,304 | $1,874-30.4% | $2,683-51.4% | $2,281-42.8% |
| Participant deferral / active EE | $1,388 | $2,374-41.5% | $3,096-55.2% | $3,203-56.7% |
| Admin fee / account holder | $970 | $2,594-62.6% | $3,141-69.1% | $4,296-77.4% |