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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 | $61,141 | $101,795-39.9% | $165,100-63.0% | $80,959-24.5% |
| Participation rate | 100.0% | 71.8%+28.2pp | 78.6%+21.4pp | 67.7%+32.3pp |
| Annual return | 19.41% | 16.73%+2.7pp | 70.21%-50.8pp | 35.67%-16.3pp |
| Employer contribution / active EE | $3,050 | $2,954+3.3% | $4,348-29.8% | $2,757+10.6% |
| Participant deferral / active EE | $3,811 | $4,476-14.9% | $6,035-36.9% | $4,300-11.4% |
| Admin fee / account holder | $2,561 | $8,221-68.8% | $12,696-79.8% | $6,925-63.0% |