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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 | $35,674 | $56,894-37.3% | $84,753-57.9% | $62,881-43.3% |
| Participation rate | 100.0% | 68.5%+31.5pp | 76.6%+23.4pp | 69.3%+30.7pp |
| Annual return | 7.61% | 6.30%+1.3pp | 22.78%-15.2pp | 20.14%-12.5pp |
| Employer contribution / active EE | $5,906 | $2,400+146.1% | $3,574+65.2% | $2,281+158.9% |
| Participant deferral / active EE | $3,626 | $2,709+33.8% | $3,712-2.3% | $3,203+13.2% |
| Admin fee / account holder | $1,612 | $3,581-55.0% | $5,333-69.8% | $4,296-62.5% |