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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 | $49,048 | $87,106-43.7% | $105,607-53.6% | $80,935-39.4% |
| Participation rate | 100.0% | 70.4%+29.6pp | 75.3%+24.7pp | 67.7%+32.3pp |
| Annual return | 15.83% | 17.01%-1.2pp | 116.11%-100.3pp | 35.66%-19.8pp |
| Employer contribution / active EE | $2,177 | $2,396-9.1% | $3,167-31.2% | $2,757-21.0% |
| Participant deferral / active EE | $5,746 | $3,986+44.2% | $5,011+14.7% | $4,299+33.6% |
| Admin fee / account holder | $1,473 | $8,447-82.6% | $10,958-86.6% | $6,924-78.7% |