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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 | $44,133 | $126,661-65.2% | $113,397-61.1% | $138,895-68.2% |
| Participation rate | 100.0% | 79.4%+20.6pp | 76.5%+23.5pp | 79.9%+20.1pp |
| Annual return | 17.07% | 25.05%-8.0pp | 23.20%-6.1pp | 145.39%-128.3pp |
| Employer contribution / active EE | $2,496 | $3,456-27.8% | $2,977-16.2% | $4,194-40.5% |
| Participant deferral / active EE | $3,225 | $5,693-43.3% | $5,076-36.5% | $6,396-49.6% |
| Admin fee / account holder | $1,205 | $14,549-91.7% | $11,957-89.9% | $12,562-90.4% |