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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 | $55,910 | $126,661-55.9% | $113,397-50.7% | $138,895-59.7% |
| Participation rate | 100.0% | 79.4%+20.6pp | 76.5%+23.5pp | 79.9%+20.1pp |
| Annual return | 16.00% | 25.05%-9.1pp | 23.20%-7.2pp | 145.39%-129.4pp |
| Employer contribution / active EE | $3,951 | $3,456+14.3% | $2,977+32.7% | $4,194-5.8% |
| Participant deferral / active EE | $5,475 | $5,693-3.8% | $5,076+7.8% | $6,396-14.4% |
| Admin fee / account holder | $2,554 | $14,549-82.4% | $11,957-78.6% | $12,562-79.7% |