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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 | $44,481 | $105,623-57.9% | $87,502-49.2% | $273,972-83.8% |
| Participation rate | 100.0% | 78.2%+21.8pp | 73.8%+26.2pp | 83.0%+17.0pp |
| Annual return | 5.74% | 12.26%-6.5pp | 12.21%-6.5pp | 41.46%-35.7pp |
| Employer contribution / active EE | $4,497 | $3,141+43.2% | $2,550+76.4% | $4,869-7.6% |
| Participant deferral / active EE | $4,845 | $3,601+34.6% | $3,149+53.9% | $5,287-8.4% |
| Admin fee / account holder | $827 | $4,781-82.7% | $4,221-80.4% | $10,133-91.8% |