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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 | $51,861 | $138,385-62.5% | $184,243-71.9% | $80,925-35.9% |
| Participation rate | 100.0% | 83.9%+16.1pp | 86.8%+13.2pp | 67.7%+32.3pp |
| Annual return | 11.52% | 20.02%-8.5pp | 28.82%-17.3pp | 35.65%-24.1pp |
| Employer contribution / active EE | $3,117 | $4,851-35.7% | $6,427-51.5% | $2,756+13.1% |
| Participant deferral / active EE | $4,285 | $7,075-39.4% | $9,132-53.1% | $4,299-0.3% |
| Admin fee / account holder | $1,236 | $10,489-88.2% | $13,914-91.1% | $6,940-82.2% |