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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 | $55,027 | $72,273-23.9% | $101,275-45.7% | $79,856-31.1% |
| Participation rate | 100.0% | 68.5%+31.5pp | 75.8%+24.2pp | 69.6%+30.4pp |
| Annual return | 11.21% | 22.30%-11.1pp | 46.48%-35.3pp | 31.71%-20.5pp |
| Employer contribution / active EE | $10,457 | $2,691+288.6% | $3,660+185.7% | $2,471+323.2% |
| Participant deferral / active EE | $1,652 | $3,282-49.6% | $4,371-62.2% | $3,741-55.8% |
| Admin fee / account holder | $2,525 | $4,401-42.6% | $5,948-57.5% | $5,306-52.4% |