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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 | $56,649 | $57,057-0.7% | $85,009-33.4% | $80,874-30.0% |
| Participation rate | 100.0% | 56.4%+43.6pp | 67.5%+32.5pp | 67.6%+32.4pp |
| Annual return | 13.96% | 21.66%-7.7pp | 66.47%-52.5pp | 35.62%-21.7pp |
| Employer contribution / active EE | $0 | $1,799-100.0% | $2,728-100.0% | $2,756-100.0% |
| Participant deferral / active EE | $6,302 | $3,112+102.5% | $4,522+39.4% | $4,297+46.7% |
| Admin fee / account holder | $7,730 | $4,986+55.0% | $6,153+25.6% | $6,935+11.5% |