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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 | $51,519 | $70,002-26.4% | $115,038-55.2% | $52,331-1.6% |
| Participation rate | 99.2% | 72.1%+27.1pp | 81.4%+17.8pp | 68.1%+31.1pp |
| Annual return | 4.19% | 4.04%+0.1pp | 26.14%-22.0pp | 4.54%-0.4pp |
| Employer contribution / active EE | $8,111 | $2,715+198.8% | $4,608+76.0% | $1,882+331.1% |
| Participant deferral / active EE | $5,947 | $4,920+20.9% | $6,026-1.3% | $3,022+96.8% |
| Admin fee / account holder | $5,355 | $566+846.1% | $8,175-34.5% | $592+805.2% |