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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 | $59,440+5.6% | $78,004-19.5% | $82,637-24.0% |
| Participation rate | 100.0% | 62.8%+37.2pp | 69.4%+30.6pp | 68.1%+31.9pp |
| Annual return | 19.36% | 40.24%-20.9pp | 31.07%-11.7pp | 53.51%-34.2pp |
| Employer contribution / active EE | $5,580 | $1,750+218.8% | $2,469+126.0% | $2,552+118.6% |
| Participant deferral / active EE | $4,809 | $3,138+53.2% | $4,092+17.5% | $4,126+16.5% |
| Admin fee / account holder | $866 | $5,504-84.3% | $7,578-88.6% | $7,339-88.2% |