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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 | $51,353 | $54,541-5.8% | $78,778-34.8% | $70,126-26.8% |
| Participation rate | 100.0% | 60.8%+39.2pp | 69.2%+30.8pp | 69.5%+30.5pp |
| Annual return | 12.63% | 21.07%-8.4pp | 35.62%-23.0pp | 73.15%-60.5pp |
| Employer contribution / active EE | $5,291 | $1,089+386.1% | $1,986+166.5% | $2,343+125.9% |
| Participant deferral / active EE | $5,586 | $2,210+152.8% | $2,958+88.8% | $3,332+67.7% |
| Admin fee / account holder | $4,833 | $3,709+30.3% | $5,134-5.9% | $4,645+4.0% |