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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 | $22,394 | $58,523-61.7% | $99,479-77.5% | $72,976-69.3% |
| Participation rate | 100.0% | 64.6%+35.4pp | 73.8%+26.2pp | 69.5%+30.5pp |
| Annual return | 20.43% | 28.51%-8.1pp | 30.72%-10.3pp | 81.02%-60.6pp |
| Employer contribution / active EE | $2,050 | $1,512+35.6% | $2,540-19.3% | $2,440-16.0% |
| Participant deferral / active EE | $3,180 | $2,606+22.0% | $3,619-12.1% | $3,608-11.9% |
| Admin fee / account holder | $4,614 | $4,102+12.5% | $6,253-26.2% | $5,124-10.0% |