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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 | $46,471 | $65,367-28.9% | $92,915-50.0% | $72,976-36.3% |
| Participation rate | 100.0% | 68.3%+31.7pp | 76.0%+24.0pp | 69.5%+30.5pp |
| Annual return | 21.53% | 42.11%-20.6pp | 109.45%-87.9pp | 81.02%-59.5pp |
| Employer contribution / active EE | $2,304 | $2,594-11.2% | $3,653-36.9% | $2,440-5.6% |
| Participant deferral / active EE | $2,592 | $3,128-17.1% | $4,238-38.8% | $3,608-28.1% |
| Admin fee / account holder | $3,825 | $4,251-10.0% | $5,796-34.0% | $5,124-25.4% |