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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 | $56,232 | $81,476-31.0% | $102,383-45.1% | $80,925-30.5% |
| Participation rate | 100.0% | 66.8%+33.2pp | 74.5%+25.5pp | 67.7%+32.3pp |
| Annual return | 13.62% | 25.59%-12.0pp | 24.94%-11.3pp | 35.65%-22.0pp |
| Employer contribution / active EE | $2,692 | $3,105-13.3% | $3,870-30.4% | $2,756-2.3% |
| Participant deferral / active EE | $4,674 | $3,871+20.7% | $5,060-7.6% | $4,299+8.7% |
| Admin fee / account holder | $1,112 | $6,717-83.4% | $8,391-86.7% | $6,940-84.0% |