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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 | $56,207 | $81,487-31.0% | $102,412-45.1% | $80,935-30.6% |
| Participation rate | 100.0% | 66.8%+33.2pp | 74.5%+25.5pp | 67.7%+32.3pp |
| Annual return | 11.77% | 25.60%-13.8pp | 24.94%-13.2pp | 35.66%-23.9pp |
| Employer contribution / active EE | $4,067 | $3,103+31.1% | $3,870+5.1% | $2,757+47.5% |
| Participant deferral / active EE | $3,711 | $3,871-4.1% | $5,060-26.7% | $4,299-13.7% |
| Admin fee / account holder | $4,549 | $6,717-32.3% | $8,388-45.8% | $6,924-34.3% |