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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 | $49,124 | $72,269-32.0% | $101,271-51.5% | $79,852-38.5% |
| Participation rate | 100.0% | 68.5%+31.5pp | 75.8%+24.2pp | 69.6%+30.4pp |
| Annual return | 14.16% | 22.29%-8.1pp | 46.48%-32.3pp | 31.72%-17.6pp |
| Employer contribution / active EE | $4,510 | $2,692+67.6% | $3,660+23.2% | $2,471+82.5% |
| Participant deferral / active EE | $2,790 | $3,282-15.0% | $4,371-36.2% | $3,740-25.4% |
| Admin fee / account holder | $7,486 | $4,401+70.1% | $5,948+25.9% | $5,306+41.1% |