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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 | $33,163 | $95,453-65.3% | $112,040-70.4% | $82,448-59.8% |
| Participation rate | 100.0% | 72.8%+27.2pp | 76.5%+23.5pp | 68.1%+31.9pp |
| Annual return | 21.37% | 23.92%-2.6pp | 24.52%-3.2pp | 41.64%-20.3pp |
| Employer contribution / active EE | $5,278 | $2,318+127.7% | $2,954+78.7% | $2,551+106.9% |
| Participant deferral / active EE | $7,136 | $4,224+69.0% | $5,098+40.0% | $4,139+72.4% |
| Admin fee / account holder | $3,523 | $9,013-60.9% | $12,098-70.9% | $7,234-51.3% |