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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 | $54,528 | $72,273-24.6% | $101,275-46.2% | $79,856-31.7% |
| Participation rate | 100.0% | 68.5%+31.5pp | 75.8%+24.2pp | 69.6%+30.4pp |
| Annual return | 18.37% | 22.30%-3.9pp | 46.48%-28.1pp | 31.71%-13.3pp |
| Employer contribution / active EE | $12,165 | $2,691+352.0% | $3,660+232.4% | $2,471+392.3% |
| Participant deferral / active EE | $2,232 | $3,282-32.0% | $4,371-48.9% | $3,741-40.3% |
| Admin fee / account holder | $4,764 | $4,401+8.2% | $5,948-19.9% | $5,306-10.2% |