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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 | $54,253 | $80,983-33.0% | $96,544-43.8% | $75,177-27.8% |
| Participation rate | 100.0% | 71.8%+28.2pp | 76.0%+24.0pp | 67.2%+32.8pp |
| Annual return | 19.92% | 27.05%-7.1pp | 25.88%-6.0pp | 160.75%-140.8pp |
| Employer contribution / active EE | $2,243 | $2,282-1.7% | $2,966-24.4% | $2,671-16.0% |
| Participant deferral / active EE | $4,699 | $3,929+19.6% | $4,851-3.1% | $4,126+13.9% |
| Admin fee / account holder | $2,361 | $6,717-64.9% | $8,254-71.4% | $5,651-58.2% |