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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 | $47,700 | $81,457-41.4% | $103,378-53.9% | $80,911-41.0% |
| Participation rate | 100.0% | 66.8%+33.2pp | 74.5%+25.5pp | 67.6%+32.4pp |
| Annual return | 10.85% | 25.58%-14.7pp | 24.91%-14.1pp | 35.63%-24.8pp |
| Employer contribution / active EE | $3,426 | $3,107+10.3% | $3,870-11.5% | $2,756+24.3% |
| Participant deferral / active EE | $3,347 | $3,871-13.5% | $5,058-33.8% | $4,297-22.1% |
| Admin fee / account holder | $4,599 | $6,717-31.5% | $8,401-45.3% | $6,935-33.7% |