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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 | $49,939 | $56,544-11.7% | $75,501-33.9% | $70,126-28.8% |
| Participation rate | 100.0% | 68.1%+31.9pp | 72.4%+27.6pp | 69.5%+30.5pp |
| Annual return | 16.91% | 23.59%-6.7pp | 27.35%-10.4pp | 73.15%-56.2pp |
| Employer contribution / active EE | $4,775 | $1,817+162.9% | $2,352+103.1% | $2,343+103.9% |
| Participant deferral / active EE | $3,524 | $2,580+36.6% | $3,142+12.2% | $3,332+5.8% |
| Admin fee / account holder | $1,469 | $3,827-61.6% | $5,801-74.7% | $4,645-68.4% |