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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 | $44,676 | $58,627-23.8% | $76,735-41.8% | $82,448-45.8% |
| Participation rate | 100.0% | 63.2%+36.8pp | 69.5%+30.5pp | 68.1%+31.9pp |
| Annual return | 21.27% | 39.10%-17.8pp | 29.77%-8.5pp | 41.64%-20.4pp |
| Employer contribution / active EE | $2,564 | $1,729+48.3% | $2,454+4.5% | $2,551+0.5% |
| Participant deferral / active EE | $4,219 | $3,134+34.6% | $4,088+3.2% | $4,139+1.9% |
| Admin fee / account holder | $6,420 | $5,323+20.6% | $7,189-10.7% | $7,234-11.3% |