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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 | $51,245 | $215,361-76.2% | $171,082-70.0% | $273,972-81.3% |
| Participation rate | 100.0% | 82.0%+18.0pp | 76.7%+23.3pp | 83.0%+17.0pp |
| Annual return | 7.71% | 25.14%-17.4pp | 32.56%-24.8pp | 41.46%-33.7pp |
| Employer contribution / active EE | $3,328 | $4,967-33.0% | $4,002-16.8% | $4,869-31.6% |
| Participant deferral / active EE | $5,987 | $5,543+8.0% | $4,797+24.8% | $5,287+13.2% |
| Admin fee / account holder | $1,854 | $10,846-82.9% | $8,520-78.2% | $10,133-81.7% |