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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 | $44,745 | $114,712-61.0% | $173,730-74.2% | $87,485-48.9% |
| Participation rate | 100.0% | 73.0%+27.0pp | 79.6%+20.4pp | 68.9%+31.1pp |
| Annual return | 16.25% | 20.18%-3.9pp | 19.96%-3.7pp | 26.06%-9.8pp |
| Employer contribution / active EE | $1,813 | $2,904-37.6% | $4,577-60.4% | $2,596-30.2% |
| Participant deferral / active EE | $3,976 | $4,642-14.3% | $6,326-37.2% | $4,274-7.0% |
| Admin fee / account holder | $493 | $10,210-95.2% | $17,523-97.2% | $7,775-93.7% |