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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 | $65,187 | $81,358-19.9% | $155,556-58.1% | $80,959-19.5% |
| Participation rate | 100.0% | 66.3%+33.7pp | 78.2%+21.8pp | 67.7%+32.3pp |
| Annual return | 13.02% | 33.39%-20.4pp | 64.84%-51.8pp | 35.67%-22.7pp |
| Employer contribution / active EE | $4,662 | $3,106+50.1% | $4,675-0.3% | $2,757+69.1% |
| Participant deferral / active EE | $7,665 | $3,455+121.8% | $5,631+36.1% | $4,300+78.2% |
| Admin fee / account holder | $4,644 | $7,994-41.9% | $15,885-70.8% | $6,925-32.9% |