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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 | $40,034 | $57,061-29.8% | $85,063-52.9% | $80,911-50.5% |
| Participation rate | 100.0% | 56.3%+43.7pp | 67.5%+32.5pp | 67.6%+32.4pp |
| Annual return | 17.86% | 21.66%-3.8pp | 66.54%-48.7pp | 35.63%-17.8pp |
| Employer contribution / active EE | $2,702 | $1,799+50.2% | $2,727-0.9% | $2,756-2.0% |
| Participant deferral / active EE | $4,785 | $3,110+53.8% | $4,523+5.8% | $4,297+11.4% |
| Admin fee / account holder | $2,277 | $4,986-54.3% | $6,155-63.0% | $6,935-67.2% |