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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 | $49,102 | $56,894-13.7% | $84,753-42.1% | $62,881-21.9% |
| Participation rate | 100.0% | 68.5%+31.5pp | 76.6%+23.4pp | 69.3%+30.7pp |
| Annual return | 6.12% | 6.30%-0.2pp | 22.78%-16.7pp | 20.14%-14.0pp |
| Employer contribution / active EE | $2,547 | $2,400+6.1% | $3,574-28.7% | $2,281+11.7% |
| Participant deferral / active EE | $4,061 | $2,709+49.9% | $3,712+9.4% | $3,203+26.8% |
| Admin fee / account holder | $2,188 | $3,581-38.9% | $5,333-59.0% | $4,296-49.1% |