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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 | $64,449 | $104,650-38.4% | $83,854-23.1% | $155,188-58.5% |
| Participation rate | 100.0% | 65.1%+34.9pp | 59.1%+40.9pp | 80.8%+19.2pp |
| Annual return | 19.61% | 28.97%-9.4pp | 31.39%-11.8pp | 148.84%-129.2pp |
| Employer contribution / active EE | $5,019 | $1,196+319.5% | $1,017+393.4% | $4,248+18.2% |
| Participant deferral / active EE | $5,587 | $2,367+136.0% | $2,035+174.6% | $6,531-14.4% |
| Admin fee / account holder | $474 | $3,518-86.5% | $3,197-85.2% | $14,480-96.7% |