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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 | $48,133 | $73,988-34.9% | $96,538-50.1% | $75,177-36.0% |
| Participation rate | 100.0% | 66.4%+33.6pp | 74.3%+25.7pp | 67.2%+32.8pp |
| Annual return | 15.12% | 26.73%-11.6pp | 35.74%-20.6pp | 160.75%-145.6pp |
| Employer contribution / active EE | $1,083 | $2,930-63.0% | $3,740-71.0% | $2,671-59.5% |
| Participant deferral / active EE | $2,124 | $3,660-42.0% | $4,880-56.5% | $4,126-48.5% |
| Admin fee / account holder | $2,269 | $5,220-56.5% | $6,737-66.3% | $5,651-59.8% |