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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 | $53,361 | $63,845-16.4% | $81,370-34.4% | $80,959-34.1% |
| Participation rate | 100.0% | 63.9%+36.1pp | 69.5%+30.5pp | 67.7%+32.3pp |
| Annual return | 18.05% | 16.37%+1.7pp | 24.85%-6.8pp | 35.67%-17.6pp |
| Employer contribution / active EE | $3,614 | $1,980+82.5% | $2,464+46.7% | $2,757+31.1% |
| Participant deferral / active EE | $4,469 | $3,093+44.5% | $3,885+15.0% | $4,300+3.9% |
| Admin fee / account holder | $2,777 | $5,688-51.2% | $5,749-51.7% | $6,925-59.9% |