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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 | $47,581 | $70,486-32.5% | $100,528-52.7% | $79,852-40.4% |
| Participation rate | 100.0% | 73.6%+26.4pp | 79.4%+20.6pp | 69.6%+30.4pp |
| Annual return | 19.24% | 21.90%-2.7pp | 30.90%-11.7pp | 31.72%-12.5pp |
| Employer contribution / active EE | $2,788 | $2,165+28.8% | $3,419-18.4% | $2,471+12.8% |
| Participant deferral / active EE | $6,029 | $5,182+16.4% | $6,271-3.9% | $3,740+61.2% |
| Admin fee / account holder | $1,743 | $4,480-61.1% | $8,084-78.4% | $5,306-67.2% |