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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 | $58,777 | $67,602-13.1% | $82,312-28.6% | $70,126-16.2% |
| Participation rate | 100.0% | 72.8%+27.2pp | 76.9%+23.1pp | 69.5%+30.5pp |
| Annual return | 22.06% | 21.57%+0.5pp | 25.88%-3.8pp | 73.15%-51.1pp |
| Employer contribution / active EE | $4,586 | $1,755+161.3% | $2,428+88.9% | $2,343+95.8% |
| Participant deferral / active EE | $5,359 | $2,987+79.4% | $3,706+44.6% | $3,332+60.8% |
| Admin fee / account holder | $3,366 | $4,512-25.4% | $5,608-40.0% | $4,645-27.5% |