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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 | $38,774 | $58,851-34.1% | $115,167-66.3% | $72,976-46.9% |
| Participation rate | 100.0% | 65.5%+34.5pp | 75.9%+24.1pp | 69.5%+30.5pp |
| Annual return | 18.41% | 23.16%-4.8pp | 35.60%-17.2pp | 81.02%-62.6pp |
| Employer contribution / active EE | $1,709 | $1,798-5.0% | $3,179-46.2% | $2,440-30.0% |
| Participant deferral / active EE | $2,505 | $2,643-5.2% | $4,169-39.9% | $3,608-30.6% |
| Admin fee / account holder | $3,718 | $6,370-41.6% | $7,089-47.5% | $5,124-27.4% |