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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 | $27,922 | $136,860-79.6% | $120,344-76.8% | $154,746-82.0% |
| Participation rate | 100.0% | 79.9%+20.1pp | 76.7%+23.3pp | 80.7%+19.3pp |
| Annual return | 13.13% | 21.38%-8.2pp | 20.30%-7.2pp | 172.34%-159.2pp |
| Employer contribution / active EE | $1,612 | $3,533-54.4% | $3,020-46.6% | $4,379-63.2% |
| Participant deferral / active EE | $3,108 | $5,793-46.3% | $5,135-39.5% | $6,730-53.8% |
| Admin fee / account holder | $4,377 | $15,393-71.6% | $12,742-65.7% | $14,365-69.5% |