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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 | $59,426 | $60,349-1.5% | $74,184-19.9% | $62,881-5.5% |
| Participation rate | 100.0% | 72.7%+27.3pp | 76.6%+23.4pp | 69.3%+30.7pp |
| Annual return | 5.85% | 21.38%-15.5pp | 17.74%-11.9pp | 20.14%-14.3pp |
| Employer contribution / active EE | $3,503 | $1,680+108.5% | $2,370+47.8% | $2,281+53.6% |
| Participant deferral / active EE | $6,162 | $2,856+115.7% | $3,550+73.6% | $3,203+92.4% |
| Admin fee / account holder | $661 | $4,261-84.5% | $5,586-88.2% | $4,296-84.6% |