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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 | $26,640 | $56,894-53.2% | $84,753-68.6% | $62,881-57.6% |
| Participation rate | 100.0% | 68.5%+31.5pp | 76.6%+23.4pp | 69.3%+30.7pp |
| Annual return | 7.78% | 6.30%+1.5pp | 22.78%-15.0pp | 20.14%-12.4pp |
| Employer contribution / active EE | $1,622 | $2,400-32.4% | $3,574-54.6% | $2,281-28.9% |
| Participant deferral / active EE | $2,056 | $2,709-24.1% | $3,712-44.6% | $3,203-35.8% |
| Admin fee / account holder | $2,504 | $3,581-30.1% | $5,333-53.0% | $4,296-41.7% |