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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 | $41,775 | $39,132+6.8% | $57,196-27.0% | $62,881-33.6% |
| Participation rate | 100.0% | 70.5%+29.5pp | 75.3%+24.7pp | 69.3%+30.7pp |
| Annual return | 8.43% | 9.24%-0.8pp | 14.59%-6.2pp | 20.14%-11.7pp |
| Employer contribution / active EE | $5,002 | $1,874+166.9% | $2,683+86.4% | $2,281+119.3% |
| Participant deferral / active EE | $3,127 | $2,374+31.7% | $3,096+1.0% | $3,203-2.4% |
| Admin fee / account holder | $2,999 | $2,594+15.6% | $3,141-4.5% | $4,296-30.2% |