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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 | $72,272 | $57,590+25.5% | $86,233-16.2% | $82,448-12.3% |
| Participation rate | 100.0% | 57.9%+42.1pp | 69.0%+31.0pp | 68.1%+31.9pp |
| Annual return | 22.51% | 22.41%+0.1pp | 61.39%-38.9pp | 41.64%-19.1pp |
| Employer contribution / active EE | $1,761 | $1,655+6.4% | $2,504-29.7% | $2,551-31.0% |
| Participant deferral / active EE | $5,823 | $3,080+89.1% | $4,559+27.7% | $4,139+40.7% |
| Admin fee / account holder | $3,175 | $4,730-32.9% | $8,342-61.9% | $7,234-56.1% |