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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 | $66,825 | $86,949-23.1% | $102,460-34.8% | $80,959-17.5% |
| Participation rate | 100.0% | 72.4%+27.6pp | 76.5%+23.5pp | 67.7%+32.3pp |
| Annual return | 14.17% | 18.89%-4.7pp | 29.47%-15.3pp | 35.67%-21.5pp |
| Employer contribution / active EE | $1,067 | $2,370-55.0% | $3,025-64.7% | $2,757-61.3% |
| Participant deferral / active EE | $5,191 | $4,121+26.0% | $5,056+2.7% | $4,300+20.7% |
| Admin fee / account holder | $2,021 | $8,048-74.9% | $9,460-78.6% | $6,925-70.8% |