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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 | $48,975 | $80,983-39.5% | $96,544-49.3% | $75,177-34.9% |
| Participation rate | 100.0% | 71.8%+28.2pp | 76.0%+24.0pp | 67.2%+32.8pp |
| Annual return | 18.35% | 27.05%-8.7pp | 25.88%-7.5pp | 160.75%-142.4pp |
| Employer contribution / active EE | $2,252 | $2,282-1.3% | $2,966-24.1% | $2,671-15.7% |
| Participant deferral / active EE | $3,905 | $3,929-0.6% | $4,851-19.5% | $4,126-5.4% |
| Admin fee / account holder | $8,092 | $6,717+20.5% | $8,254-2.0% | $5,651+43.2% |