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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 | $41,332 | $114,712-64.0% | $173,730-76.2% | $87,485-52.8% |
| Participation rate | 100.0% | 73.0%+27.0pp | 79.6%+20.4pp | 68.9%+31.1pp |
| Annual return | 18.17% | 20.18%-2.0pp | 19.96%-1.8pp | 26.06%-7.9pp |
| Employer contribution / active EE | $2,807 | $2,904-3.3% | $4,577-38.7% | $2,596+8.1% |
| Participant deferral / active EE | $4,415 | $4,642-4.9% | $6,326-30.2% | $4,274+3.3% |
| Admin fee / account holder | $2,485 | $10,210-75.7% | $17,523-85.8% | $7,775-68.0% |