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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 | $63,211 | $73,787-14.3% | $98,716-36.0% | $82,448-23.3% |
| Participation rate | 100.0% | 61.4%+38.6pp | 69.3%+30.7pp | 68.1%+31.9pp |
| Annual return | 13.15% | 18.57%-5.4pp | 31.81%-18.7pp | 41.64%-28.5pp |
| Employer contribution / active EE | $888 | $1,511-41.2% | $2,279-61.0% | $2,551-65.2% |
| Participant deferral / active EE | $2,669 | $3,081-13.4% | $4,048-34.0% | $4,139-35.5% |
| Admin fee / account holder | $1,113 | $6,500-82.9% | $8,703-87.2% | $7,234-84.6% |