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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 | $69,862 | $106,749-34.6% | $145,433-52.0% | $82,448-15.3% |
| Participation rate | 100.0% | 75.6%+24.4pp | 82.1%+17.9pp | 68.1%+31.9pp |
| Annual return | 18.58% | 27.59%-9.0pp | 66.58%-48.0pp | 41.64%-23.1pp |
| Employer contribution / active EE | $3,927 | $3,444+14.0% | $4,554-13.8% | $2,551+54.0% |
| Participant deferral / active EE | $8,486 | $6,519+30.2% | $7,897+7.5% | $4,139+105.0% |
| Admin fee / account holder | $4,615 | $8,390-45.0% | $13,129-64.8% | $7,234-36.2% |