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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 | $46,486 | $93,617-50.3% | $135,982-65.8% | $75,177-38.2% |
| Participation rate | 100.0% | 75.2%+24.8pp | 81.9%+18.1pp | 67.2%+32.8pp |
| Annual return | 15.60% | 30.89%-15.3pp | 68.32%-52.7pp | 160.75%-145.2pp |
| Employer contribution / active EE | $3,699 | $3,538+4.5% | $4,859-23.9% | $2,671+38.5% |
| Participant deferral / active EE | $3,582 | $6,406-44.1% | $7,760-53.8% | $4,126-13.2% |
| Admin fee / account holder | $1,966 | $6,980-71.8% | $10,767-81.7% | $5,651-65.2% |