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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 | $57,887 | $107,733-46.3% | $92,985-37.7% | $154,746-62.6% |
| Participation rate | 100.0% | 74.6%+25.4pp | 69.5%+30.5pp | 80.7%+19.3pp |
| Annual return | 21.14% | 30.39%-9.2pp | 27.99%-6.8pp | 172.34%-151.2pp |
| Employer contribution / active EE | $2,735 | $3,126-12.5% | $2,662+2.7% | $4,379-37.6% |
| Participant deferral / active EE | $8,728 | $5,053+72.7% | $4,377+99.4% | $6,730+29.7% |
| Admin fee / account holder | $469 | $11,369-95.9% | $9,463-95.0% | $14,365-96.7% |