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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 | $32,165 | $72,027-55.3% | $185,861-82.7% | $79,856-59.7% |
| Participation rate | 100.0% | 65.8%+34.2pp | 78.0%+22.0pp | 69.6%+30.4pp |
| Annual return | 13.35% | 23.13%-9.8pp | 35.96%-22.6pp | 31.71%-18.4pp |
| Employer contribution / active EE | $3,283 | $1,965+67.1% | $4,088-19.7% | $2,471+32.9% |
| Participant deferral / active EE | $5,690 | $3,780+50.6% | $5,634+1.0% | $3,741+52.1% |
| Admin fee / account holder | $5,678 | $4,513+25.8% | $9,503-40.2% | $5,306+7.0% |