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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 | $45,605 | $84,236-45.9% | $170,435-73.2% | $70,126-35.0% |
| Participation rate | 100.0% | 70.8%+29.2pp | 83.6%+16.4pp | 69.5%+30.5pp |
| Annual return | 18.87% | 23.06%-4.2pp | 205.94%-187.1pp | 73.15%-54.3pp |
| Employer contribution / active EE | $2,045 | $3,387-39.6% | $5,432-62.4% | $2,343-12.7% |
| Participant deferral / active EE | $4,246 | $3,086+37.6% | $4,939-14.0% | $3,332+27.4% |
| Admin fee / account holder | $753 | $5,698-86.8% | $13,881-94.6% | $4,645-83.8% |