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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 | $60,616 | $81,331-25.5% | $155,534-61.0% | $80,935-25.1% |
| Participation rate | 100.0% | 66.3%+33.7pp | 78.2%+21.8pp | 67.7%+32.3pp |
| Annual return | 12.78% | 33.37%-20.6pp | 64.92%-52.1pp | 35.66%-22.9pp |
| Employer contribution / active EE | $3,658 | $3,105+17.8% | $4,675-21.7% | $2,757+32.7% |
| Participant deferral / active EE | $4,459 | $3,454+29.1% | $5,630-20.8% | $4,299+3.7% |
| Admin fee / account holder | $1,526 | $7,999-80.9% | $15,900-90.4% | $6,924-78.0% |