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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 | $39,755 | $80,983-50.9% | $96,544-58.8% | $75,177-47.1% |
| Participation rate | 100.0% | 71.8%+28.2pp | 76.0%+24.0pp | 67.2%+32.8pp |
| Annual return | 15.40% | 27.05%-11.7pp | 25.88%-10.5pp | 160.75%-145.3pp |
| Employer contribution / active EE | $2,007 | $2,282-12.1% | $2,966-32.4% | $2,671-24.9% |
| Participant deferral / active EE | $1,941 | $3,929-50.6% | $4,851-60.0% | $4,126-53.0% |
| Admin fee / account holder | $3,154 | $6,717-53.0% | $8,254-61.8% | $5,651-44.2% |