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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 | $53,666 | $81,504-34.2% | $102,437-47.6% | $80,959-33.7% |
| Participation rate | 100.0% | 66.9%+33.1pp | 74.5%+25.5pp | 67.7%+32.3pp |
| Annual return | 11.89% | 25.60%-13.7pp | 24.95%-13.1pp | 35.67%-23.8pp |
| Employer contribution / active EE | $3,844 | $3,104+23.8% | $3,871-0.7% | $2,757+39.4% |
| Participant deferral / active EE | $4,964 | $3,871+28.2% | $5,060-1.9% | $4,300+15.4% |
| Admin fee / account holder | $641 | $6,719-90.5% | $8,388-92.4% | $6,925-90.8% |