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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 | $44,827 | $65,704-31.8% | $94,229-52.4% | $59,633-24.8% |
| Participation rate | 93.8% | 72.1%+21.6pp | 78.8%+15.0pp | 68.7%+25.1pp |
| Annual return | 11.16% | 5.22%+5.9pp | 10.68%+0.5pp | 2041.45%-2030.3pp |
| Employer contribution / active EE | $2,246 | $2,021+11.2% | $3,587-37.4% | $2,203+2.0% |
| Participant deferral / active EE | $6,549 | $3,143+108.4% | $4,320+51.6% | $3,192+105.2% |
| Admin fee / account holder | $7,769 | $4,265+82.2% | $6,269+23.9% | $4,297+80.8% |