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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 | $69,444-23.9% | $92,985-43.1% | $87,485-39.6% |
| Participation rate | 100.0% | 63.3%+36.7pp | 69.5%+30.5pp | 68.9%+31.1pp |
| Annual return | 15.95% | 23.85%-7.9pp | 27.99%-12.0pp | 26.06%-10.1pp |
| Employer contribution / active EE | $6,728 | $1,917+250.9% | $2,662+152.7% | $2,596+159.1% |
| Participant deferral / active EE | $5,615 | $3,364+66.9% | $4,377+28.3% | $4,274+31.4% |
| Admin fee / account holder | $5,966 | $6,137-2.8% | $9,463-37.0% | $7,775-23.3% |