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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 | $56,207 | $81,446-31.0% | $103,374-45.6% | $80,874-30.5% |
| Participation rate | 100.0% | 66.9%+33.1pp | 74.5%+25.5pp | 67.6%+32.4pp |
| Annual return | 11.77% | 25.57%-13.8pp | 24.89%-13.1pp | 35.62%-23.8pp |
| Employer contribution / active EE | $4,067 | $3,107+30.9% | $3,869+5.1% | $2,756+47.6% |
| Participant deferral / active EE | $3,711 | $3,870-4.1% | $5,058-26.6% | $4,297-13.6% |
| Admin fee / account holder | $4,549 | $6,715-32.3% | $8,394-45.8% | $6,935-34.4% |