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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 | $47,883 | $81,487-41.2% | $102,412-53.2% | $80,935-40.8% |
| Participation rate | 100.0% | 66.8%+33.2pp | 74.5%+25.5pp | 67.7%+32.3pp |
| Annual return | 12.77% | 25.60%-12.8pp | 24.94%-12.2pp | 35.66%-22.9pp |
| Employer contribution / active EE | $3,364 | $3,103+8.4% | $3,870-13.1% | $2,757+22.0% |
| Participant deferral / active EE | $4,672 | $3,871+20.7% | $5,060-7.7% | $4,299+8.7% |
| Admin fee / account holder | $1,493 | $6,717-77.8% | $8,388-82.2% | $6,924-78.4% |