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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 | $55,268 | $86,919-36.4% | $102,457-46.1% | $80,911-31.7% |
| Participation rate | 100.0% | 72.4%+27.6pp | 76.5%+23.5pp | 67.6%+32.4pp |
| Annual return | 22.62% | 18.90%+3.7pp | 29.41%-6.8pp | 35.63%-13.0pp |
| Employer contribution / active EE | $4,161 | $2,368+75.7% | $3,022+37.7% | $2,756+51.0% |
| Participant deferral / active EE | $1,879 | $4,119-54.4% | $5,054-62.8% | $4,297-56.3% |
| Admin fee / account holder | $421 | $8,049-94.8% | $9,451-95.5% | $6,935-93.9% |