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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 | $35,751 | $86,919-58.9% | $102,457-65.1% | $80,911-55.8% |
| Participation rate | 100.0% | 72.4%+27.6pp | 76.5%+23.5pp | 67.6%+32.4pp |
| Annual return | 16.03% | 18.90%-2.9pp | 29.41%-13.4pp | 35.63%-19.6pp |
| Employer contribution / active EE | $4,008 | $2,368+69.2% | $3,022+32.6% | $2,756+45.4% |
| Participant deferral / active EE | $7,265 | $4,119+76.4% | $5,054+43.7% | $4,297+69.1% |
| Admin fee / account holder | $3,567 | $8,049-55.7% | $9,451-62.3% | $6,935-48.6% |