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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 | $35,124 | $66,764-47.4% | $88,497-60.3% | $62,881-44.1% |
| Participation rate | 100.0% | 77.3%+22.7pp | 82.4%+17.6pp | 69.3%+30.7pp |
| Annual return | 5.99% | 10.37%-4.4pp | 7.63%-1.6pp | 20.14%-14.2pp |
| Employer contribution / active EE | $4,452 | $3,077+44.7% | $4,036+10.3% | $2,281+95.2% |
| Participant deferral / active EE | $2,559 | $3,976-35.6% | $4,899-47.8% | $3,203-20.1% |
| Admin fee / account holder | $1,688 | $4,668-63.8% | $6,220-72.9% | $4,296-60.7% |