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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 | $60,747 | $65,712-7.6% | $57,196+6.2% | $273,972-77.8% |
| Participation rate | 100.0% | 78.3%+21.7pp | 75.3%+24.7pp | 83.0%+17.0pp |
| Annual return | 8.53% | 22.01%-13.5pp | 14.59%-6.1pp | 41.46%-32.9pp |
| Employer contribution / active EE | $6,870 | $3,280+109.4% | $2,683+156.1% | $4,869+41.1% |
| Participant deferral / active EE | $6,138 | $3,782+62.3% | $3,096+98.3% | $5,287+16.1% |
| Admin fee / account holder | $737 | $4,838-84.8% | $3,141-76.5% | $10,133-92.7% |