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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 | $43,962 | $67,602-35.0% | $82,312-46.6% | $70,126-37.3% |
| Participation rate | 100.0% | 72.8%+27.2pp | 76.9%+23.1pp | 69.5%+30.5pp |
| Annual return | 18.91% | 21.57%-2.7pp | 25.88%-7.0pp | 73.15%-54.2pp |
| Employer contribution / active EE | $2,720 | $1,755+55.0% | $2,428+12.0% | $2,343+16.1% |
| Participant deferral / active EE | $2,768 | $2,987-7.3% | $3,706-25.3% | $3,332-16.9% |
| Admin fee / account holder | $5,073 | $4,512+12.4% | $5,608-9.5% | $4,645+9.2% |