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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 | $40,875 | $80,985-49.5% | $96,576-57.7% | $75,181-45.6% |
| Participation rate | 100.0% | 71.8%+28.2pp | 76.0%+24.0pp | 67.2%+32.8pp |
| Annual return | 13.45% | 27.05%-13.6pp | 25.87%-12.4pp | 160.69%-147.2pp |
| Employer contribution / active EE | $2,570 | $2,282+12.6% | $2,965-13.3% | $2,671-3.8% |
| Participant deferral / active EE | $4,844 | $3,929+23.3% | $4,851-0.2% | $4,126+17.4% |
| Admin fee / account holder | $2,685 | $6,719-60.0% | $8,253-67.5% | $5,650-52.5% |