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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 | $54,430 | $106,524-48.9% | $152,301-64.3% | $87,485-37.8% |
| Participation rate | 100.0% | 75.8%+24.2pp | 82.4%+17.6pp | 68.9%+31.1pp |
| Annual return | 16.97% | 26.89%-9.9pp | 80.50%-63.5pp | 26.06%-9.1pp |
| Employer contribution / active EE | $3,083 | $3,371-8.5% | $4,624-33.3% | $2,596+18.8% |
| Participant deferral / active EE | $7,827 | $6,525+20.0% | $8,004-2.2% | $4,274+83.2% |
| Admin fee / account holder | $6,576 | $8,287-20.6% | $14,398-54.3% | $7,775-15.4% |