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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 | $62,775 | $58,627+7.1% | $76,735-18.2% | $82,448-23.9% |
| Participation rate | 100.0% | 63.2%+36.8pp | 69.5%+30.5pp | 68.1%+31.9pp |
| Annual return | 19.36% | 39.10%-19.7pp | 29.77%-10.4pp | 41.64%-22.3pp |
| Employer contribution / active EE | $5,580 | $1,729+222.7% | $2,454+127.3% | $2,551+118.7% |
| Participant deferral / active EE | $4,809 | $3,134+53.5% | $4,088+17.6% | $4,139+16.2% |
| Admin fee / account holder | $866 | $5,323-83.7% | $7,189-88.0% | $7,234-88.0% |