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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 | $40,563 | $63,845-36.5% | $81,370-50.1% | $80,959-49.9% |
| Participation rate | 100.0% | 63.9%+36.1pp | 69.5%+30.5pp | 67.7%+32.3pp |
| Annual return | 14.69% | 16.37%-1.7pp | 24.85%-10.2pp | 35.67%-21.0pp |
| Employer contribution / active EE | $2,299 | $1,980+16.1% | $2,464-6.7% | $2,757-16.6% |
| Participant deferral / active EE | $5,679 | $3,093+83.6% | $3,885+46.2% | $4,300+32.1% |
| Admin fee / account holder | $566 | $5,688-90.1% | $5,749-90.2% | $6,925-91.8% |