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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 | $41,993 | $109,782-61.7% | $260,467-83.9% | $94,015-55.3% |
| Participation rate | 100.0% | 67.2%+32.8pp | 80.5%+19.5pp | 70.8%+29.2pp |
| Annual return | 24.05% | 18.60%+5.5pp | 100.60%-76.6pp | 17.84%+6.2pp |
| Employer contribution / active EE | $2,266 | $2,147+5.6% | $4,239-46.5% | $2,790-18.8% |
| Participant deferral / active EE | $4,056 | $4,044+0.3% | $6,319-35.8% | $4,249-4.6% |
| Admin fee / account holder | $1,706 | $11,958-85.7% | $15,461-89.0% | $8,951-80.9% |