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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 | $40,071 | $99,345-59.7% | $84,753-52.7% | $273,972-85.4% |
| Participation rate | 100.0% | 80.7%+19.3pp | 76.6%+23.4pp | 83.0%+17.0pp |
| Annual return | 5.53% | 22.93%-17.4pp | 22.78%-17.2pp | 41.46%-35.9pp |
| Employer contribution / active EE | $2,635 | $4,214-37.5% | $3,574-26.3% | $4,869-45.9% |
| Participant deferral / active EE | $7,809 | $4,270+82.9% | $3,712+110.4% | $5,287+47.7% |
| Admin fee / account holder | $819 | $6,645-87.7% | $5,333-84.6% | $10,133-91.9% |