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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 | $49,664 | $67,602-26.5% | $82,312-39.7% | $70,126-29.2% |
| Participation rate | 100.0% | 72.8%+27.2pp | 76.9%+23.1pp | 69.5%+30.5pp |
| Annual return | 20.21% | 21.57%-1.4pp | 25.88%-5.7pp | 73.15%-52.9pp |
| Employer contribution / active EE | $2,439 | $1,755+39.0% | $2,428+0.4% | $2,343+4.1% |
| Participant deferral / active EE | $3,630 | $2,987+21.5% | $3,706-2.1% | $3,332+9.0% |
| Admin fee / account holder | $796 | $4,512-82.4% | $5,608-85.8% | $4,645-82.9% |