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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 | $29,093 | $56,894-48.9% | $84,753-65.7% | $62,881-53.7% |
| Participation rate | 100.0% | 68.5%+31.5pp | 76.6%+23.4pp | 69.3%+30.7pp |
| Annual return | 8.68% | 6.30%+2.4pp | 22.78%-14.1pp | 20.14%-11.5pp |
| Employer contribution / active EE | $897 | $2,400-62.6% | $3,574-74.9% | $2,281-60.7% |
| Participant deferral / active EE | $1,326 | $2,709-51.1% | $3,712-64.3% | $3,203-58.6% |
| Admin fee / account holder | $318 | $3,581-91.1% | $5,333-94.0% | $4,296-92.6% |