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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 | $56,466 | $88,707-36.3% | $74,184-23.9% | $273,972-79.4% |
| Participation rate | 100.0% | 79.4%+20.6pp | 76.6%+23.4pp | 83.0%+17.0pp |
| Annual return | 11.76% | 11.94%-0.2pp | 17.74%-6.0pp | 41.46%-29.7pp |
| Employer contribution / active EE | $5,782 | $3,159+83.0% | $2,370+143.9% | $4,869+18.8% |
| Participant deferral / active EE | $14,223 | $4,212+237.7% | $3,550+300.7% | $5,287+169.0% |
| Admin fee / account holder | $381 | $8,717-95.6% | $5,586-93.2% | $10,133-96.2% |