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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 | $40,450 | $93,064-56.5% | $74,577-45.8% | $273,972-85.2% |
| Participation rate | 100.0% | 74.9%+25.1pp | 68.1%+31.9pp | 83.0%+17.0pp |
| Annual return | 13.01% | 26.18%-13.2pp | 20.47%-7.5pp | 41.46%-28.4pp |
| Employer contribution / active EE | $4,306 | $3,160+36.3% | $2,525+70.5% | $4,869-11.6% |
| Participant deferral / active EE | $6,363 | $4,160+52.9% | $3,458+84.0% | $5,287+20.3% |
| Admin fee / account holder | $1,048 | $5,273-80.1% | $4,138-74.7% | $10,133-89.7% |