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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 | $71,652 | $88,707-19.2% | $74,184-3.4% | $273,972-73.8% |
| Participation rate | 100.0% | 79.4%+20.6pp | 76.6%+23.4pp | 83.0%+17.0pp |
| Annual return | 22.55% | 11.94%+10.6pp | 17.74%+4.8pp | 41.46%-18.9pp |
| Employer contribution / active EE | $4,713 | $3,159+49.2% | $2,370+98.9% | $4,869-3.2% |
| Participant deferral / active EE | $5,840 | $4,212+38.7% | $3,550+64.5% | $5,287+10.5% |
| Admin fee / account holder | $316 | $8,717-96.4% | $5,586-94.3% | $10,133-96.9% |