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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 | $46,963 | $95,453-50.8% | $112,040-58.1% | $82,448-43.0% |
| Participation rate | 100.0% | 72.8%+27.2pp | 76.5%+23.5pp | 68.1%+31.9pp |
| Annual return | 15.75% | 23.92%-8.2pp | 24.52%-8.8pp | 41.64%-25.9pp |
| Employer contribution / active EE | $2,584 | $2,318+11.5% | $2,954-12.5% | $2,551+1.3% |
| Participant deferral / active EE | $3,835 | $4,224-9.2% | $5,098-24.8% | $4,139-7.4% |
| Admin fee / account holder | $2,226 | $9,013-75.3% | $12,098-81.6% | $7,234-69.2% |