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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 | $33,635 | $71,197-52.8% | $93,669-64.1% | $80,925-58.4% |
| Participation rate | 98.4% | 60.4%+38.0pp | 68.7%+29.6pp | 67.7%+30.7pp |
| Annual return | 12.67% | 11.27%+1.4pp | 133.59%-120.9pp | 35.65%-23.0pp |
| Employer contribution / active EE | $750 | $1,565-52.1% | $2,424-69.1% | $2,756-72.8% |
| Participant deferral / active EE | $3,433 | $4,036-14.9% | $4,416-22.2% | $4,299-20.1% |
| Admin fee / account holder | $1,533 | $6,959-78.0% | $8,291-81.5% | $6,940-77.9% |