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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 | $52,470 | $47,848+9.7% | $81,473-35.6% | $70,126-25.2% |
| Participation rate | 100.0% | 58.3%+41.7pp | 68.0%+32.0pp | 69.5%+30.5pp |
| Annual return | 15.74% | 27.25%-11.5pp | 38.78%-23.0pp | 73.15%-57.4pp |
| Employer contribution / active EE | $1,835 | $1,527+20.2% | $2,568-28.5% | $2,343-21.7% |
| Participant deferral / active EE | $2,653 | $2,453+8.1% | $3,537-25.0% | $3,332-20.4% |
| Admin fee / account holder | $1,318 | $3,145-58.1% | $4,561-71.1% | $4,645-71.6% |