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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 | $49,260 | $99,345-50.4% | $84,753-41.9% | $273,972-82.0% |
| Participation rate | 100.0% | 80.7%+19.3pp | 76.6%+23.4pp | 83.0%+17.0pp |
| Annual return | 7.40% | 22.93%-15.5pp | 22.78%-15.4pp | 41.46%-34.1pp |
| Employer contribution / active EE | $7,234 | $4,214+71.7% | $3,574+102.4% | $4,869+48.6% |
| Participant deferral / active EE | $4,332 | $4,270+1.5% | $3,712+16.7% | $5,287-18.1% |
| Admin fee / account holder | $4,879 | $6,645-26.6% | $5,333-8.5% | $10,133-51.8% |