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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 | $60,607 | $80,983-25.2% | $96,544-37.2% | $75,177-19.4% |
| Participation rate | 100.0% | 71.8%+28.2pp | 76.0%+24.0pp | 67.2%+32.8pp |
| Annual return | 18.44% | 27.05%-8.6pp | 25.88%-7.4pp | 160.75%-142.3pp |
| Employer contribution / active EE | $4,794 | $2,282+110.0% | $2,966+61.6% | $2,671+79.5% |
| Participant deferral / active EE | $4,214 | $3,929+7.3% | $4,851-13.1% | $4,126+2.1% |
| Admin fee / account holder | $11,873 | $6,717+76.8% | $8,254+43.8% | $5,651+110.1% |