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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 | $43,662 | $43,075+1.4% | $74,577-41.5% | $62,881-30.6% |
| Participation rate | 100.0% | 58.1%+41.9pp | 68.1%+31.9pp | 69.3%+30.7pp |
| Annual return | 6.69% | 17.50%-10.8pp | 20.47%-13.8pp | 20.14%-13.5pp |
| Employer contribution / active EE | $1,651 | $1,498+10.2% | $2,525-34.6% | $2,281-27.6% |
| Participant deferral / active EE | $4,184 | $2,389+75.1% | $3,458+21.0% | $3,203+30.6% |
| Admin fee / account holder | $1,230 | $2,840-56.7% | $4,138-70.3% | $4,296-71.4% |