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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 | $53,602 | $79,894-32.9% | $135,792-60.5% | $82,637-35.1% |
| Participation rate | 100.0% | 63.0%+37.0pp | 72.6%+27.4pp | 68.1%+31.9pp |
| Annual return | 17.07% | 17.20%-0.1pp | 25.96%-8.9pp | 53.51%-36.4pp |
| Employer contribution / active EE | $3,545 | $2,165+63.7% | $3,496+1.4% | $2,552+38.9% |
| Participant deferral / active EE | $6,713 | $3,194+110.2% | $4,759+41.1% | $4,126+62.7% |
| Admin fee / account holder | $2,154 | $6,434-66.5% | $12,266-82.4% | $7,339-70.7% |