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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 | $81,403-34.2% | $147,027-63.5% | $87,485-38.7% |
| Participation rate | 100.0% | 63.4%+36.6pp | 73.7%+26.3pp | 68.9%+31.1pp |
| Annual return | 17.07% | 16.51%+0.6pp | 20.23%-3.2pp | 26.06%-9.0pp |
| Employer contribution / active EE | $3,545 | $2,205+60.7% | $3,626-2.2% | $2,596+36.5% |
| Participant deferral / active EE | $6,713 | $3,315+102.5% | $4,933+36.1% | $4,274+57.1% |
| Admin fee / account holder | $2,154 | $6,755-68.1% | $12,223-82.4% | $7,775-72.3% |