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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 | $47,896 | $112,729-57.5% | $98,716-51.5% | $137,256-65.1% |
| Participation rate | 100.0% | 74.2%+25.8pp | 69.3%+30.7pp | 80.0%+20.0pp |
| Annual return | 19.22% | 38.48%-19.3pp | 31.81%-12.6pp | 220.34%-201.1pp |
| Employer contribution / active EE | $2,743 | $2,725+0.7% | $2,279+20.4% | $4,156-34.0% |
| Participant deferral / active EE | $6,547 | $4,640+41.1% | $4,048+61.7% | $6,407+2.2% |
| Admin fee / account holder | $7,408 | $10,129-26.9% | $8,703-14.9% | $12,270-39.6% |