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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 | $48,774 | $61,390-20.6% | $112,228-56.5% | $75,177-35.1% |
| Participation rate | 100.0% | 61.6%+38.4pp | 72.4%+27.6pp | 67.2%+32.8pp |
| Annual return | 23.65% | 28.47%-4.8pp | 30.23%-6.6pp | 160.75%-137.1pp |
| Employer contribution / active EE | $2,872 | $2,015+42.6% | $3,432-16.3% | $2,671+7.5% |
| Participant deferral / active EE | $2,713 | $3,108-12.7% | $4,800-43.5% | $4,126-34.2% |
| Admin fee / account holder | $1,663 | $4,862-65.8% | $7,752-78.5% | $5,651-70.6% |