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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 | $45,201 | $103,949-56.5% | $69,182-34.7% | $273,972-83.5% |
| Participation rate | 100.0% | 67.4%+32.6pp | 55.1%+44.9pp | 83.0%+17.0pp |
| Annual return | 7.13% | 35.28%-28.1pp | -21.93%+29.1pp | 41.46%-34.3pp |
| Employer contribution / active EE | $1,226 | $1,783-31.2% | $1,206+1.6% | $4,869-74.8% |
| Participant deferral / active EE | $3,251 | $2,716+19.7% | $1,897+71.4% | $5,287-38.5% |
| Admin fee / account holder | $449 | $3,671-87.8% | $2,697-83.4% | $10,133-95.6% |