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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 | $60,989 | $110,137-44.6% | $161,149-62.2% | $82,637-26.2% |
| Participation rate | 100.0% | 72.4%+27.6pp | 78.8%+21.2pp | 68.1%+31.9pp |
| Annual return | 17.70% | 20.69%-3.0pp | 21.16%-3.5pp | 53.51%-35.8pp |
| Employer contribution / active EE | $4,238 | $2,856+48.4% | $4,360-2.8% | $2,552+66.1% |
| Participant deferral / active EE | $4,153 | $4,575-9.2% | $6,153-32.5% | $4,126+0.7% |
| Admin fee / account holder | $3,351 | $9,467-64.6% | $15,194-77.9% | $7,339-54.3% |