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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 | $46,671 | $99,032-52.9% | $80,022-41.7% | $135,379-65.5% |
| Participation rate | 100.0% | 78.4%+21.6pp | 75.8%+24.2pp | 82.6%+17.4pp |
| Annual return | 7.10% | 15.39%-8.3pp | 11.22%-4.1pp | 519.79%-512.7pp |
| Employer contribution / active EE | $4,012 | $3,043+31.8% | $2,468+62.6% | $4,779-16.0% |
| Participant deferral / active EE | $3,133 | $4,282-26.8% | $3,686-15.0% | $5,609-44.1% |
| Admin fee / account holder | $3,580 | $10,436-65.7% | $6,521-45.1% | $10,828-66.9% |