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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 | $49,432 | $93,617-47.2% | $135,982-63.6% | $75,177-34.2% |
| Participation rate | 100.0% | 75.2%+24.8pp | 81.9%+18.1pp | 67.2%+32.8pp |
| Annual return | 20.44% | 30.89%-10.5pp | 68.32%-47.9pp | 160.75%-140.3pp |
| Employer contribution / active EE | $2,971 | $3,538-16.0% | $4,859-38.9% | $2,671+11.2% |
| Participant deferral / active EE | $4,589 | $6,406-28.4% | $7,760-40.9% | $4,126+11.2% |
| Admin fee / account holder | $3,265 | $6,980-53.2% | $10,767-69.7% | $5,651-42.2% |