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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 | $46,748 | $57,828-19.2% | $117,039-60.1% | $70,126-33.3% |
| Participation rate | 100.0% | 67.1%+32.9pp | 77.2%+22.8pp | 69.5%+30.5pp |
| Annual return | 14.46% | 17.55%-3.1pp | 18.95%-4.5pp | 73.15%-58.7pp |
| Employer contribution / active EE | $3,885 | $1,816+113.9% | $3,785+2.6% | $2,343+65.8% |
| Participant deferral / active EE | $2,663 | $2,438+9.2% | $3,929-32.2% | $3,332-20.1% |
| Admin fee / account holder | $2,430 | $3,548-31.5% | $5,974-59.3% | $4,645-47.7% |