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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 | $61,573 | $57,119+7.8% | $85,187-27.7% | $80,935-23.9% |
| Participation rate | 96.9% | 56.4%+40.5pp | 67.5%+29.4pp | 67.7%+29.2pp |
| Annual return | 13.22% | 21.70%-8.5pp | 66.67%-53.4pp | 35.66%-22.4pp |
| Employer contribution / active EE | $5,373 | $1,802+198.2% | $2,732+96.6% | $2,757+94.9% |
| Participant deferral / active EE | $2,400 | $3,115-23.0% | $4,525-47.0% | $4,299-44.2% |
| Admin fee / account holder | $770 | $4,990-84.6% | $6,162-87.5% | $6,924-88.9% |