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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 | $63,485 | $88,707-28.4% | $74,185-14.4% | $273,970-76.8% |
| Participation rate | 100.0% | 79.4%+20.6pp | 76.6%+23.4pp | 83.0%+17.0pp |
| Annual return | 5.26% | 11.94%-6.7pp | 17.74%-12.5pp | 41.46%-36.2pp |
| Employer contribution / active EE | $5,005 | $3,159+58.4% | $2,370+111.2% | $4,869+2.8% |
| Participant deferral / active EE | $6,251 | $4,212+48.4% | $3,550+76.1% | $5,287+18.2% |
| Admin fee / account holder | $535 | $8,717-93.9% | $5,586-90.4% | $10,132-94.7% |