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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 | $40,299 | $63,845-36.9% | $81,370-50.5% | $80,959-50.2% |
| Participation rate | 100.0% | 63.9%+36.1pp | 69.5%+30.5pp | 67.7%+32.3pp |
| Annual return | 26.41% | 16.37%+10.0pp | 24.85%+1.6pp | 35.67%-9.3pp |
| Employer contribution / active EE | $2,309 | $1,980+16.6% | $2,464-6.3% | $2,757-16.2% |
| Participant deferral / active EE | $3,983 | $3,093+28.8% | $3,885+2.5% | $4,300-7.4% |
| Admin fee / account holder | $5,424 | $5,688-4.7% | $5,749-5.7% | $6,925-21.7% |