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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 | $37,349 | $56,894-34.4% | $84,753-55.9% | $62,881-40.6% |
| Participation rate | 100.0% | 68.5%+31.5pp | 76.6%+23.4pp | 69.3%+30.7pp |
| Annual return | 7.47% | 6.30%+1.2pp | 22.78%-15.3pp | 20.14%-12.7pp |
| Employer contribution / active EE | $5,270 | $2,400+119.6% | $3,574+47.4% | $2,281+131.1% |
| Participant deferral / active EE | $2,911 | $2,709+7.5% | $3,712-21.6% | $3,203-9.1% |
| Admin fee / account holder | $2,267 | $3,581-36.7% | $5,333-57.5% | $4,296-47.2% |