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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 | $56,174 | $81,504-31.1% | $102,437-45.2% | $80,959-30.6% |
| Participation rate | 100.0% | 66.9%+33.1pp | 74.5%+25.5pp | 67.7%+32.3pp |
| Annual return | 26.81% | 25.60%+1.2pp | 24.95%+1.9pp | 35.67%-8.9pp |
| Employer contribution / active EE | $16,519 | $3,104+432.3% | $3,871+326.8% | $2,757+499.1% |
| Participant deferral / active EE | $3,976 | $3,871+2.7% | $5,060-21.4% | $4,300-7.5% |
| Admin fee / account holder | $2,265 | $6,719-66.3% | $8,388-73.0% | $6,925-67.3% |