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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 | $61,133 | $106,524-42.6% | $152,301-59.9% | $87,485-30.1% |
| Participation rate | 100.0% | 75.8%+24.2pp | 82.4%+17.6pp | 68.9%+31.1pp |
| Annual return | 16.14% | 26.89%-10.7pp | 80.50%-64.4pp | 26.06%-9.9pp |
| Employer contribution / active EE | $2,350 | $3,371-30.3% | $4,624-49.2% | $2,596-9.5% |
| Participant deferral / active EE | $4,992 | $6,525-23.5% | $8,004-37.6% | $4,274+16.8% |
| Admin fee / account holder | $847 | $8,287-89.8% | $14,398-94.1% | $7,775-89.1% |