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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 | $65,633 | $67,602-2.9% | $82,312-20.3% | $70,126-6.4% |
| Participation rate | 100.0% | 72.8%+27.2pp | 76.9%+23.1pp | 69.5%+30.5pp |
| Annual return | 21.21% | 21.57%-0.4pp | 25.88%-4.7pp | 73.15%-51.9pp |
| Employer contribution / active EE | $5,788 | $1,755+229.8% | $2,428+138.3% | $2,343+147.1% |
| Participant deferral / active EE | $3,854 | $2,987+29.0% | $3,706+4.0% | $3,332+15.7% |
| Admin fee / account holder | $1,836 | $4,512-59.3% | $5,608-67.3% | $4,645-60.5% |