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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 | $51,973 | $83,485-37.7% | $125,192-58.5% | $72,975-28.8% |
| Participation rate | 100.0% | 73.3%+26.7pp | 79.8%+20.2pp | 69.5%+30.5pp |
| Annual return | 19.74% | 25.77%-6.0pp | 43.79%-24.1pp | 81.01%-61.3pp |
| Employer contribution / active EE | $1,854 | $2,346-21.0% | $3,866-52.0% | $2,440-24.0% |
| Participant deferral / active EE | $2,549 | $3,586-28.9% | $4,937-48.4% | $3,608-29.3% |
| Admin fee / account holder | $3,198 | $5,518-42.0% | $9,704-67.0% | $5,124-37.6% |