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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 | $39,455 | $83,485-52.7% | $125,192-68.5% | $72,975-45.9% |
| Participation rate | 100.0% | 73.3%+26.7pp | 79.8%+20.2pp | 69.5%+30.5pp |
| Annual return | 23.00% | 25.77%-2.8pp | 43.79%-20.8pp | 81.01%-58.0pp |
| Employer contribution / active EE | $3,018 | $2,346+28.7% | $3,866-21.9% | $2,440+23.7% |
| Participant deferral / active EE | $6,883 | $3,586+91.9% | $4,937+39.4% | $3,608+90.8% |
| Admin fee / account holder | $2,603 | $5,518-52.8% | $9,704-73.2% | $5,124-49.2% |