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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 | $36,354 | $73,978-50.9% | $96,515-62.3% | $75,173-51.6% |
| Participation rate | 100.0% | 66.4%+33.6pp | 74.3%+25.7pp | 67.2%+32.8pp |
| Annual return | 20.21% | 26.72%-6.5pp | 35.73%-15.5pp | 160.72%-140.5pp |
| Employer contribution / active EE | $2,349 | $2,931-19.8% | $3,740-37.2% | $2,671-12.0% |
| Participant deferral / active EE | $4,466 | $3,660+22.0% | $4,880-8.5% | $4,126+8.2% |
| Admin fee / account holder | $610 | $5,219-88.3% | $6,735-90.9% | $5,651-89.2% |