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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 | $48,628 | $181,896-73.3% | $156,551-68.9% | $273,972-82.3% |
| Participation rate | 100.0% | 88.4%+11.6pp | 84.0%+16.0pp | 83.0%+17.0pp |
| Annual return | 11.36% | 30.74%-19.4pp | 32.23%-20.9pp | 41.46%-30.1pp |
| Employer contribution / active EE | $4,027 | $6,248-35.6% | $5,501-26.8% | $4,869-17.3% |
| Participant deferral / active EE | $11,896 | $5,550+114.3% | $4,871+144.2% | $5,287+125.0% |
| Admin fee / account holder | $569 | $15,560-96.3% | $13,028-95.6% | $10,133-94.4% |