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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 | $58,187 | $63,949-9.0% | $129,031-54.9% | $94,015-38.1% |
| Participation rate | 100.0% | 63.4%+36.6pp | 73.4%+26.6pp | 70.8%+29.2pp |
| Annual return | 15.59% | 17.56%-2.0pp | 34.67%-19.1pp | 17.84%-2.3pp |
| Employer contribution / active EE | $1,770 | $1,865-5.1% | $3,226-45.1% | $2,790-36.6% |
| Participant deferral / active EE | $4,489 | $3,686+21.8% | $5,217-14.0% | $4,249+5.6% |
| Admin fee / account holder | $5,064 | $5,523-8.3% | $13,208-61.7% | $8,951-43.4% |