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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 | $59,324 | $72,273-17.9% | $101,275-41.4% | $79,856-25.7% |
| Participation rate | 100.0% | 68.5%+31.5pp | 75.8%+24.2pp | 69.6%+30.4pp |
| Annual return | 10.83% | 22.30%-11.5pp | 46.48%-35.7pp | 31.71%-20.9pp |
| Employer contribution / active EE | $3,388 | $2,691+25.9% | $3,660-7.4% | $2,471+37.1% |
| Participant deferral / active EE | $4,074 | $3,282+24.1% | $4,371-6.8% | $3,741+8.9% |
| Admin fee / account holder | $3,010 | $4,401-31.6% | $5,948-49.4% | $5,306-43.3% |