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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 | $73,787-20.6% | $98,716-40.7% | $82,448-29.0% |
| Participation rate | 100.0% | 61.4%+38.6pp | 69.3%+30.7pp | 68.1%+31.9pp |
| Annual return | 15.31% | 18.57%-3.3pp | 31.81%-16.5pp | 41.64%-26.3pp |
| Employer contribution / active EE | $1,867 | $1,511+23.5% | $2,279-18.1% | $2,551-26.8% |
| Participant deferral / active EE | $2,641 | $3,081-14.3% | $4,048-34.7% | $4,139-36.2% |
| Admin fee / account holder | $2,508 | $6,500-61.4% | $8,703-71.2% | $7,234-65.3% |