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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 | $40,601 | $49,025-17.2% | $87,502-53.6% | $62,881-35.4% |
| Participation rate | 100.0% | 64.9%+35.1pp | 73.8%+26.2pp | 69.3%+30.7pp |
| Annual return | 9.77% | 10.02%-0.3pp | 12.21%-2.4pp | 20.14%-10.4pp |
| Employer contribution / active EE | $3,565 | $1,372+159.9% | $2,550+39.8% | $2,281+56.3% |
| Participant deferral / active EE | $6,374 | $2,289+178.4% | $3,149+102.4% | $3,203+99.0% |
| Admin fee / account holder | $4,966 | $4,065+22.2% | $4,221+17.7% | $4,296+15.6% |