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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 | $53,975 | $95,453-43.5% | $112,040-51.8% | $82,448-34.5% |
| Participation rate | 100.0% | 72.8%+27.2pp | 76.5%+23.5pp | 68.1%+31.9pp |
| Annual return | 18.26% | 23.92%-5.7pp | 24.52%-6.3pp | 41.64%-23.4pp |
| Employer contribution / active EE | $2,320 | $2,318+0.1% | $2,954-21.5% | $2,551-9.0% |
| Participant deferral / active EE | $6,333 | $4,224+49.9% | $5,098+24.2% | $4,139+53.0% |
| Admin fee / account holder | $643 | $9,013-92.9% | $12,098-94.7% | $7,234-91.1% |