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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 | $27,034 | $49,791-45.7% | $78,210-65.4% | $70,126-61.4% |
| Participation rate | 100.0% | 62.3%+37.7pp | 68.7%+31.3pp | 69.5%+30.5pp |
| Annual return | 15.38% | 20.75%-5.4pp | 40.90%-25.5pp | 73.15%-57.8pp |
| Employer contribution / active EE | $1,512 | $1,430+5.8% | $2,034-25.6% | $2,343-35.4% |
| Participant deferral / active EE | $3,235 | $2,150+50.4% | $2,823+14.6% | $3,332-2.9% |
| Admin fee / account holder | $835 | $3,181-73.7% | $3,758-77.8% | $4,645-82.0% |