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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 | $47,654 | $83,485-42.9% | $125,195-61.9% | $72,976-34.7% |
| Participation rate | 100.0% | 73.3%+26.7pp | 79.8%+20.2pp | 69.5%+30.5pp |
| Annual return | 22.29% | 25.77%-3.5pp | 43.79%-21.5pp | 81.02%-58.7pp |
| Employer contribution / active EE | $2,429 | $2,346+3.5% | $3,866-37.2% | $2,440-0.5% |
| Participant deferral / active EE | $2,582 | $3,586-28.0% | $4,937-47.7% | $3,608-28.4% |
| Admin fee / account holder | $516 | $5,518-90.6% | $9,704-94.7% | $5,124-89.9% |