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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 | $55,268 | $86,949-36.4% | $102,460-46.1% | $80,959-31.7% |
| Participation rate | 100.0% | 72.4%+27.6pp | 76.5%+23.5pp | 67.7%+32.3pp |
| Annual return | 22.62% | 18.89%+3.7pp | 29.47%-6.8pp | 35.67%-13.0pp |
| Employer contribution / active EE | $4,161 | $2,370+75.6% | $3,025+37.5% | $2,757+50.9% |
| Participant deferral / active EE | $1,879 | $4,121-54.4% | $5,056-62.8% | $4,300-56.3% |
| Admin fee / account holder | $421 | $8,048-94.8% | $9,460-95.6% | $6,925-93.9% |