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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 | $51,608 | $72,027-28.3% | $185,861-72.2% | $79,856-35.4% |
| Participation rate | 100.0% | 65.8%+34.2pp | 78.0%+22.0pp | 69.6%+30.4pp |
| Annual return | 13.76% | 23.13%-9.4pp | 35.96%-22.2pp | 31.71%-18.0pp |
| Employer contribution / active EE | $3,031 | $1,965+54.3% | $4,088-25.8% | $2,471+22.7% |
| Participant deferral / active EE | $4,548 | $3,780+20.3% | $5,634-19.3% | $3,741+21.6% |
| Admin fee / account holder | $2,106 | $4,513-53.3% | $9,503-77.8% | $5,306-60.3% |