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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 | $34,342 | $49,025-29.9% | $87,502-60.8% | $62,881-45.4% |
| Participation rate | 100.0% | 64.9%+35.1pp | 73.8%+26.2pp | 69.3%+30.7pp |
| Annual return | 8.93% | 10.02%-1.1pp | 12.21%-3.3pp | 20.14%-11.2pp |
| Employer contribution / active EE | $2,571 | $1,372+87.4% | $2,550+0.8% | $2,281+12.7% |
| Participant deferral / active EE | $1,349 | $2,289-41.1% | $3,149-57.2% | $3,203-57.9% |
| Admin fee / account holder | $353 | $4,065-91.3% | $4,221-91.6% | $4,296-91.8% |