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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 | $51,233 | $72,273-29.1% | $101,275-49.4% | $79,856-35.8% |
| Participation rate | 100.0% | 68.5%+31.5pp | 75.8%+24.2pp | 69.6%+30.4pp |
| Annual return | 15.71% | 22.30%-6.6pp | 46.48%-30.8pp | 31.71%-16.0pp |
| Employer contribution / active EE | $5,412 | $2,691+101.1% | $3,660+47.9% | $2,471+119.0% |
| Participant deferral / active EE | $4,516 | $3,282+37.6% | $4,371+3.3% | $3,741+20.7% |
| Admin fee / account holder | $620 | $4,401-85.9% | $5,948-89.6% | $5,306-88.3% |