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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 | $43,701 | $93,064-53.0% | $74,577-41.4% | $273,972-84.0% |
| Participation rate | 100.0% | 74.9%+25.1pp | 68.1%+31.9pp | 83.0%+17.0pp |
| Annual return | 2.29% | 26.18%-23.9pp | 20.47%-18.2pp | 41.46%-39.2pp |
| Employer contribution / active EE | $1,734 | $3,160-45.1% | $2,525-31.3% | $4,869-64.4% |
| Participant deferral / active EE | $3,543 | $4,160-14.9% | $3,458+2.4% | $5,287-33.0% |
| Admin fee / account holder | $3,561 | $5,273-32.5% | $4,138-14.0% | $10,133-64.9% |