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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 | $56,440 | $99,345-43.2% | $84,753-33.4% | $273,972-79.4% |
| Participation rate | 100.0% | 80.7%+19.3pp | 76.6%+23.4pp | 83.0%+17.0pp |
| Annual return | 5.60% | 22.93%-17.3pp | 22.78%-17.2pp | 41.46%-35.9pp |
| Employer contribution / active EE | $5,635 | $4,214+33.7% | $3,574+57.7% | $4,869+15.7% |
| Participant deferral / active EE | $11,319 | $4,270+165.1% | $3,712+204.9% | $5,287+114.1% |
| Admin fee / account holder | $1,221 | $6,645-81.6% | $5,333-77.1% | $10,133-87.9% |