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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 | $55,808 | $72,269-22.8% | $101,271-44.9% | $79,852-30.1% |
| Participation rate | 100.0% | 68.5%+31.5pp | 75.8%+24.2pp | 69.6%+30.4pp |
| Annual return | 19.77% | 22.29%-2.5pp | 46.48%-26.7pp | 31.72%-12.0pp |
| Employer contribution / active EE | $1,631 | $2,692-39.4% | $3,660-55.4% | $2,471-34.0% |
| Participant deferral / active EE | $3,456 | $3,282+5.3% | $4,371-20.9% | $3,740-7.6% |
| Admin fee / account holder | $561 | $4,401-87.3% | $5,948-90.6% | $5,306-89.4% |