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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 | $34,966 | $101,778-65.6% | $164,975-78.8% | $80,925-56.8% |
| Participation rate | 100.0% | 71.8%+28.2pp | 78.6%+21.4pp | 67.7%+32.3pp |
| Annual return | 32.47% | 16.73%+15.7pp | 70.12%-37.6pp | 35.65%-3.2pp |
| Employer contribution / active EE | $3,174 | $2,954+7.5% | $4,343-26.9% | $2,756+15.2% |
| Participant deferral / active EE | $4,754 | $4,477+6.2% | $6,033-21.2% | $4,299+10.6% |
| Admin fee / account holder | $456 | $8,221-94.5% | $12,688-96.4% | $6,940-93.4% |