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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 | $64,658 | $52,580+23.0% | $71,671-9.8% | $70,126-7.8% |
| Participation rate | 100.0% | 60.9%+39.1pp | 68.7%+31.3pp | 69.5%+30.5pp |
| Annual return | 12.64% | 20.25%-7.6pp | 20.65%-8.0pp | 73.15%-60.5pp |
| Employer contribution / active EE | $2,487 | $1,616+53.9% | $2,460+1.1% | $2,343+6.2% |
| Participant deferral / active EE | $5,054 | $2,386+111.8% | $3,438+47.0% | $3,332+51.7% |
| Admin fee / account holder | $1,001 | $3,653-72.6% | $5,558-82.0% | $4,645-78.4% |