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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 | $29,810 | $70,486-57.7% | $100,535-70.3% | $79,856-62.7% |
| Participation rate | 100.0% | 73.6%+26.4pp | 79.4%+20.6pp | 69.6%+30.4pp |
| Annual return | 22.46% | 21.90%+0.6pp | 30.90%-8.4pp | 31.71%-9.3pp |
| Employer contribution / active EE | $4,965 | $2,165+129.4% | $3,419+45.2% | $2,471+100.9% |
| Participant deferral / active EE | $9,390 | $5,182+81.2% | $6,271+49.7% | $3,741+151.0% |
| Admin fee / account holder | $5,427 | $4,480+21.1% | $8,085-32.9% | $5,306+2.3% |