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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 | $52,882 | $58,627-9.8% | $76,735-31.1% | $82,448-35.9% |
| Participation rate | 100.0% | 63.2%+36.8pp | 69.5%+30.5pp | 68.1%+31.9pp |
| Annual return | 15.95% | 39.10%-23.1pp | 29.77%-13.8pp | 41.64%-25.7pp |
| Employer contribution / active EE | $6,728 | $1,729+289.1% | $2,454+174.1% | $2,551+163.7% |
| Participant deferral / active EE | $5,615 | $3,134+79.2% | $4,088+37.4% | $4,139+35.7% |
| Admin fee / account holder | $5,966 | $5,323+12.1% | $7,189-17.0% | $7,234-17.5% |