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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 | $45,584 | $80,983-43.7% | $96,544-52.8% | $75,177-39.4% |
| Participation rate | 100.0% | 71.8%+28.2pp | 76.0%+24.0pp | 67.2%+32.8pp |
| Annual return | 15.77% | 27.05%-11.3pp | 25.88%-10.1pp | 160.75%-145.0pp |
| Employer contribution / active EE | $2,505 | $2,282+9.8% | $2,966-15.5% | $2,671-6.2% |
| Participant deferral / active EE | $4,098 | $3,929+4.3% | $4,851-15.5% | $4,126-0.7% |
| Admin fee / account holder | $2,037 | $6,717-69.7% | $8,254-75.3% | $5,651-64.0% |