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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 | $63,773-16.3% | $81,286-34.4% | $80,925-34.1% |
| Participation rate | 100.0% | 63.9%+36.1pp | 69.5%+30.5pp | 67.7%+32.3pp |
| Annual return | 18.05% | 16.37%+1.7pp | 24.80%-6.7pp | 35.65%-17.6pp |
| Employer contribution / active EE | $3,614 | $1,979+82.6% | $2,463+46.7% | $2,756+31.1% |
| Participant deferral / active EE | $4,469 | $3,093+44.5% | $3,883+15.1% | $4,299+4.0% |
| Admin fee / account holder | $2,777 | $5,682-51.1% | $5,764-51.8% | $6,940-60.0% |