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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 | $72,471-27.0% | $94,215-43.9% | $86,983-39.2% |
| Participation rate | 100.0% | 63.9%+36.1pp | 70.0%+30.0pp | 69.5%+30.5pp |
| Annual return | 15.95% | 26.44%-10.5pp | 28.22%-12.3pp | 25.83%-9.9pp |
| Employer contribution / active EE | $6,728 | $1,936+247.5% | $2,675+151.5% | $2,584+160.3% |
| Participant deferral / active EE | $5,615 | $3,397+65.3% | $4,276+31.3% | $4,194+33.9% |
| Admin fee / account holder | $5,966 | $6,468-7.8% | $10,216-41.6% | $7,856-24.1% |