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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 | $53,174 | $47,848+11.1% | $81,473-34.7% | $70,126-24.2% |
| Participation rate | 100.0% | 58.3%+41.7pp | 68.0%+32.0pp | 69.5%+30.5pp |
| Annual return | 15.22% | 27.25%-12.0pp | 38.78%-23.6pp | 73.15%-57.9pp |
| Employer contribution / active EE | $2,961 | $1,527+93.9% | $2,568+15.3% | $2,343+26.4% |
| Participant deferral / active EE | $4,231 | $2,453+72.5% | $3,537+19.6% | $3,332+27.0% |
| Admin fee / account holder | $2,464 | $3,145-21.7% | $4,561-46.0% | $4,645-47.0% |