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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 | $52,947 | $52,836+0.2% | $105,736-49.9% | $64,173-17.5% |
| Participation rate | 100.0% | 66.5%+33.5pp | 76.3%+23.7pp | 69.6%+30.4pp |
| Annual return | 13.85% | 14.30%-0.4pp | 6.27%+7.6pp | 7.63%+6.2pp |
| Employer contribution / active EE | $1,616 | $1,827-11.6% | $3,268-50.6% | $2,381-32.1% |
| Participant deferral / active EE | $1,097 | $2,545-56.9% | $4,080-73.1% | $3,470-68.4% |
| Admin fee / account holder | $1,996 | $3,959-49.6% | $6,913-71.1% | $4,887-59.2% |