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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 | $42,254 | $58,099-27.3% | $76,872-45.0% | $75,173-43.8% |
| Participation rate | 100.0% | 63.9%+36.1pp | 69.6%+30.4pp | 67.2%+32.8pp |
| Annual return | 15.79% | 26.71%-10.9pp | 37.90%-22.1pp | 160.72%-144.9pp |
| Employer contribution / active EE | $1,794 | $1,996-10.1% | $2,533-29.2% | $2,671-32.8% |
| Participant deferral / active EE | $3,485 | $2,999+16.2% | $3,832-9.1% | $4,126-15.5% |
| Admin fee / account holder | $991 | $4,778-79.3% | $5,476-81.9% | $5,651-82.5% |