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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 | $42,265 | $75,963-44.4% | $97,995-56.9% | $70,126-39.7% |
| Participation rate | 100.0% | 77.0%+23.0pp | 82.4%+17.6pp | 69.5%+30.5pp |
| Annual return | 27.32% | 19.26%+8.1pp | 23.94%+3.4pp | 73.15%-45.8pp |
| Employer contribution / active EE | $4,995 | $3,278+52.4% | $4,158+20.1% | $2,343+113.2% |
| Participant deferral / active EE | $2,203 | $4,053-45.7% | $5,097-56.8% | $3,332-33.9% |
| Admin fee / account holder | $1,970 | $5,407-63.6% | $5,943-66.9% | $4,645-57.6% |