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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 | $19,357 | $99,345-80.5% | $84,753-77.2% | $273,972-92.9% |
| Participation rate | 100.0% | 80.7%+19.3pp | 76.6%+23.4pp | 83.0%+17.0pp |
| Annual return | 3.05% | 22.93%-19.9pp | 22.78%-19.7pp | 41.46%-38.4pp |
| Employer contribution / active EE | $5,031 | $4,214+19.4% | $3,574+40.7% | $4,869+3.3% |
| Participant deferral / active EE | $4,281 | $4,270+0.3% | $3,712+15.3% | $5,287-19.0% |
| Admin fee / account holder | $862 | $6,645-87.0% | $5,333-83.8% | $10,133-91.5% |