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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 | $42,432 | $81,446-47.9% | $103,374-59.0% | $80,874-47.5% |
| Participation rate | 100.0% | 66.9%+33.1pp | 74.5%+25.5pp | 67.6%+32.4pp |
| Annual return | 11.27% | 25.57%-14.3pp | 24.89%-13.6pp | 35.62%-24.4pp |
| Employer contribution / active EE | $2,791 | $3,107-10.2% | $3,869-27.9% | $2,756+1.3% |
| Participant deferral / active EE | $3,795 | $3,870-1.9% | $5,058-25.0% | $4,297-11.7% |
| Admin fee / account holder | $6,059 | $6,715-9.8% | $8,394-27.8% | $6,935-12.6% |