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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 | $49,110 | $95,453-48.6% | $112,040-56.2% | $82,448-40.4% |
| Participation rate | 100.0% | 72.8%+27.2pp | 76.5%+23.5pp | 68.1%+31.9pp |
| Annual return | 22.74% | 23.92%-1.2pp | 24.52%-1.8pp | 41.64%-18.9pp |
| Employer contribution / active EE | $4,159 | $2,318+79.4% | $2,954+40.8% | $2,551+63.0% |
| Participant deferral / active EE | $7,893 | $4,224+86.9% | $5,098+54.8% | $4,139+90.7% |
| Admin fee / account holder | $2,478 | $9,013-72.5% | $12,098-79.5% | $7,234-65.7% |