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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 | $51,244 | $63,082-18.8% | $81,726-37.3% | $79,856-35.8% |
| Participation rate | 100.0% | 67.5%+32.5pp | 72.0%+28.0pp | 69.6%+30.4pp |
| Annual return | 20.59% | 22.66%-2.1pp | 29.49%-8.9pp | 31.71%-11.1pp |
| Employer contribution / active EE | $4,055 | $1,795+125.8% | $4,311-5.9% | $2,471+64.1% |
| Participant deferral / active EE | $2,407 | $2,780-13.4% | $7,108-66.1% | $3,741-35.7% |
| Admin fee / account holder | $1,538 | $4,428-65.3% | $5,160-70.2% | $5,306-71.0% |