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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 | $35,092 | $73,988-52.6% | $96,538-63.6% | $75,177-53.3% |
| Participation rate | 100.0% | 66.4%+33.6pp | 74.3%+25.7pp | 67.2%+32.8pp |
| Annual return | 13.63% | 26.73%-13.1pp | 35.74%-22.1pp | 160.75%-147.1pp |
| Employer contribution / active EE | $1,768 | $2,930-39.7% | $3,740-52.7% | $2,671-33.8% |
| Participant deferral / active EE | $3,948 | $3,660+7.8% | $4,880-19.1% | $4,126-4.3% |
| Admin fee / account holder | $800 | $5,220-84.7% | $6,737-88.1% | $5,651-85.9% |