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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 | $43,451 | $87,106-50.1% | $105,607-58.9% | $80,935-46.3% |
| Participation rate | 100.0% | 70.4%+29.6pp | 75.3%+24.7pp | 67.7%+32.3pp |
| Annual return | 13.97% | 17.01%-3.0pp | 116.11%-102.1pp | 35.66%-21.7pp |
| Employer contribution / active EE | $3,065 | $2,396+27.9% | $3,167-3.2% | $2,757+11.2% |
| Participant deferral / active EE | $4,406 | $3,986+10.5% | $5,011-12.1% | $4,299+2.5% |
| Admin fee / account holder | $9,210 | $8,447+9.0% | $10,958-16.0% | $6,924+33.0% |