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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 | $33,965 | $72,486-53.1% | $87,103-61.0% | $72,976-53.5% |
| Participation rate | 100.0% | 72.8%+27.2pp | 76.9%+23.1pp | 69.5%+30.5pp |
| Annual return | 20.54% | 24.46%-3.9pp | 28.19%-7.7pp | 81.02%-60.5pp |
| Employer contribution / active EE | $2,092 | $1,894+10.5% | $2,521-17.0% | $2,440-14.3% |
| Participant deferral / active EE | $4,095 | $3,270+25.2% | $4,049+1.1% | $3,608+13.5% |
| Admin fee / account holder | $2,778 | $5,055-45.0% | $7,491-62.9% | $5,124-45.8% |