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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 | $48,252 | $107,666-55.2% | $102,184-52.8% | $154,746-68.8% |
| Participation rate | 100.0% | 83.7%+16.3pp | 82.6%+17.4pp | 80.7%+19.3pp |
| Annual return | 21.90% | 29.33%-7.4pp | 31.58%-9.7pp | 172.34%-150.4pp |
| Employer contribution / active EE | $4,579 | $3,846+19.1% | $3,594+27.4% | $4,379+4.6% |
| Participant deferral / active EE | $7,336 | $8,719-15.9% | $8,309-11.7% | $6,730+9.0% |
| Admin fee / account holder | $3,653 | $12,943-71.8% | $11,609-68.5% | $14,365-74.6% |