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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 | $50,510 | $75,720-33.3% | $90,312-44.1% | $86,983-41.9% |
| Participation rate | 100.0% | 66.3%+33.7pp | 72.9%+27.1pp | 69.5%+30.5pp |
| Annual return | 16.13% | 18.55%-2.4pp | 18.90%-2.8pp | 25.83%-9.7pp |
| Employer contribution / active EE | $2,079 | $1,945+6.9% | $2,243-7.3% | $2,584-19.6% |
| Participant deferral / active EE | $3,050 | $3,001+1.6% | $3,749-18.6% | $4,194-27.3% |
| Admin fee / account holder | $3,413 | $6,201-44.9% | $8,248-58.6% | $7,856-56.5% |