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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 | $47,141 | $81,446-42.1% | $103,374-54.4% | $80,874-41.7% |
| Participation rate | 100.0% | 66.9%+33.1pp | 74.5%+25.5pp | 67.6%+32.4pp |
| Annual return | 10.95% | 25.57%-14.6pp | 24.89%-13.9pp | 35.62%-24.7pp |
| Employer contribution / active EE | $7,628 | $3,107+145.5% | $3,869+97.1% | $2,756+176.8% |
| Participant deferral / active EE | $3,923 | $3,870+1.4% | $5,058-22.4% | $4,297-8.7% |
| Admin fee / account holder | $3,106 | $6,715-53.7% | $8,394-63.0% | $6,935-55.2% |