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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 | $66,879 | $181,898-63.2% | $156,552-57.3% | $273,970-75.6% |
| Participation rate | 100.0% | 88.4%+11.6pp | 84.0%+16.0pp | 83.0%+17.0pp |
| Annual return | 3.04% | 30.74%-27.7pp | 32.23%-29.2pp | 41.46%-38.4pp |
| Employer contribution / active EE | $1,738 | $6,248-72.2% | $5,501-68.4% | $4,869-64.3% |
| Participant deferral / active EE | $3,426 | $5,550-38.3% | $4,871-29.7% | $5,287-35.2% |
| Admin fee / account holder | $8,733 | $15,560-43.9% | $13,028-33.0% | $10,132-13.8% |