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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 | $47,216 | $56,894-17.0% | $84,753-44.3% | $62,881-24.9% |
| Participation rate | 100.0% | 68.5%+31.5pp | 76.6%+23.4pp | 69.3%+30.7pp |
| Annual return | 7.04% | 6.30%+0.7pp | 22.78%-15.7pp | 20.14%-13.1pp |
| Employer contribution / active EE | $3,333 | $2,400+38.9% | $3,574-6.8% | $2,281+46.1% |
| Participant deferral / active EE | $3,277 | $2,709+21.0% | $3,712-11.7% | $3,203+2.3% |
| Admin fee / account holder | $2,950 | $3,581-17.6% | $5,333-44.7% | $4,296-31.3% |