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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 | $54,604 | $81,446-33.0% | $103,374-47.2% | $80,874-32.5% |
| Participation rate | 100.0% | 66.9%+33.1pp | 74.5%+25.5pp | 67.6%+32.4pp |
| Annual return | 11.33% | 25.57%-14.2pp | 24.89%-13.6pp | 35.62%-24.3pp |
| Employer contribution / active EE | $1,768 | $3,107-43.1% | $3,869-54.3% | $2,756-35.9% |
| Participant deferral / active EE | $3,499 | $3,870-9.6% | $5,058-30.8% | $4,297-18.6% |
| Admin fee / account holder | $3,773 | $6,715-43.8% | $8,394-55.1% | $6,935-45.6% |