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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 | $57,531 | $81,476-29.4% | $102,383-43.8% | $80,925-28.9% |
| Participation rate | 100.0% | 66.8%+33.2pp | 74.5%+25.5pp | 67.7%+32.3pp |
| Annual return | 13.18% | 25.59%-12.4pp | 24.94%-11.8pp | 35.65%-22.5pp |
| Employer contribution / active EE | $4,501 | $3,105+45.0% | $3,870+16.3% | $2,756+63.3% |
| Participant deferral / active EE | $8,944 | $3,871+131.0% | $5,060+76.8% | $4,299+108.1% |
| Admin fee / account holder | $2,479 | $6,717-63.1% | $8,391-70.5% | $6,940-64.3% |