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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 | $60,330 | $101,795-40.7% | $165,100-63.5% | $80,959-25.5% |
| Participation rate | 100.0% | 71.8%+28.2pp | 78.6%+21.4pp | 67.7%+32.3pp |
| Annual return | 11.19% | 16.73%-5.5pp | 70.21%-59.0pp | 35.67%-24.5pp |
| Employer contribution / active EE | $3,345 | $2,954+13.3% | $4,348-23.1% | $2,757+21.3% |
| Participant deferral / active EE | $7,162 | $4,476+60.0% | $6,035+18.7% | $4,300+66.6% |
| Admin fee / account holder | $6,380 | $8,221-22.4% | $12,696-49.7% | $6,925-7.9% |