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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 | $53,730 | $87,166-38.4% | $76,735-30.0% | $137,256-60.9% |
| Participation rate | 100.0% | 74.4%+25.6pp | 69.5%+30.5pp | 80.0%+20.0pp |
| Annual return | 18.81% | 26.50%-7.7pp | 29.77%-11.0pp | 220.34%-201.5pp |
| Employer contribution / active EE | $3,501 | $2,904+20.5% | $2,454+42.7% | $4,156-15.8% |
| Participant deferral / active EE | $5,358 | $4,726+13.4% | $4,088+31.1% | $6,407-16.4% |
| Admin fee / account holder | $517 | $8,403-93.8% | $7,189-92.8% | $12,270-95.8% |