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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 | $55,817 | $75,541-26.1% | $152,093-63.3% | $82,637-32.5% |
| Participation rate | 100.0% | 66.5%+33.5pp | 77.8%+22.2pp | 68.1%+31.9pp |
| Annual return | 18.76% | 32.56%-13.8pp | 66.36%-47.6pp | 53.51%-34.7pp |
| Employer contribution / active EE | $1,770 | $2,622-32.5% | $4,175-57.6% | $2,552-30.6% |
| Participant deferral / active EE | $3,689 | $3,206+15.1% | $5,451-32.3% | $4,126-10.6% |
| Admin fee / account holder | $879 | $6,405-86.3% | $14,497-93.9% | $7,339-88.0% |