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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 | $49,552 | $56,894-12.9% | $84,753-41.5% | $62,881-21.2% |
| Participation rate | 100.0% | 68.5%+31.5pp | 76.6%+23.4pp | 69.3%+30.7pp |
| Annual return | 4.78% | 6.30%-1.5pp | 22.78%-18.0pp | 20.14%-15.4pp |
| Employer contribution / active EE | $4,549 | $2,400+89.6% | $3,574+27.3% | $2,281+99.5% |
| Participant deferral / active EE | $3,674 | $2,709+35.6% | $3,712-1.0% | $3,203+14.7% |
| Admin fee / account holder | $370 | $3,581-89.7% | $5,333-93.1% | $4,296-91.4% |