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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 | $58,569 | $77,574-24.5% | $108,753-46.1% | $86,983-32.7% |
| Participation rate | 100.0% | 62.3%+37.7pp | 71.1%+28.9pp | 69.5%+30.5pp |
| Annual return | 15.31% | 18.42%-3.1pp | 37.47%-22.2pp | 25.83%-10.5pp |
| Employer contribution / active EE | $1,867 | $1,611+15.9% | $2,427-23.1% | $2,584-27.8% |
| Participant deferral / active EE | $2,641 | $3,128-15.6% | $4,115-35.8% | $4,194-37.0% |
| Admin fee / account holder | $2,508 | $6,529-61.6% | $10,320-75.7% | $7,856-68.1% |