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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 | $62,954 | $51,222+22.9% | $70,544-10.8% | $75,173-16.3% |
| Participation rate | 100.0% | 61.0%+39.0pp | 68.4%+31.6pp | 67.2%+32.8pp |
| Annual return | 18.80% | 30.06%-11.3pp | 32.79%-14.0pp | 160.72%-141.9pp |
| Employer contribution / active EE | $6,257 | $1,827+242.6% | $2,976+110.3% | $2,671+134.3% |
| Participant deferral / active EE | $4,354 | $2,850+52.7% | $4,568-4.7% | $4,126+5.5% |
| Admin fee / account holder | $1,490 | $4,096-63.6% | $6,427-76.8% | $5,651-73.6% |