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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 | $38,751 | $106,524-63.6% | $152,301-74.6% | $87,485-55.7% |
| Participation rate | 100.0% | 75.8%+24.2pp | 82.4%+17.6pp | 68.9%+31.1pp |
| Annual return | 18.36% | 26.89%-8.5pp | 80.50%-62.1pp | 26.06%-7.7pp |
| Employer contribution / active EE | $2,991 | $3,371-11.3% | $4,624-35.3% | $2,596+15.2% |
| Participant deferral / active EE | $5,112 | $6,525-21.7% | $8,004-36.1% | $4,274+19.6% |
| Admin fee / account holder | $998 | $8,287-88.0% | $14,398-93.1% | $7,775-87.2% |