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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 | $44,813 | $94,436-52.5% | $115,599-61.2% | $82,637-45.8% |
| Participation rate | 100.0% | 70.4%+29.6pp | 74.3%+25.7pp | 68.1%+31.9pp |
| Annual return | 16.12% | 18.37%-2.3pp | 111.10%-95.0pp | 53.51%-37.4pp |
| Employer contribution / active EE | $2,363 | $2,324+1.7% | $2,955-20.1% | $2,552-7.4% |
| Participant deferral / active EE | $5,015 | $3,955+26.8% | $4,889+2.6% | $4,126+21.5% |
| Admin fee / account holder | $7,958 | $10,328-22.9% | $12,841-38.0% | $7,339+8.4% |