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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 | $57,267 | $105,623-45.8% | $87,502-34.6% | $273,972-79.1% |
| Participation rate | 100.0% | 78.2%+21.8pp | 73.8%+26.2pp | 83.0%+17.0pp |
| Annual return | 13.24% | 12.26%+1.0pp | 12.21%+1.0pp | 41.46%-28.2pp |
| Employer contribution / active EE | $4,206 | $3,141+33.9% | $2,550+65.0% | $4,869-13.6% |
| Participant deferral / active EE | $3,126 | $3,601-13.2% | $3,149-0.7% | $5,287-40.9% |
| Admin fee / account holder | $2,592 | $4,781-45.8% | $4,221-38.6% | $10,133-74.4% |