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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 | $58,321 | $52,306+11.5% | $69,779-16.4% | $62,881-7.3% |
| Participation rate | 100.0% | 67.2%+32.8pp | 71.8%+28.2pp | 69.3%+30.7pp |
| Annual return | 7.65% | 13.35%-5.7pp | 12.99%-5.3pp | 20.14%-12.5pp |
| Employer contribution / active EE | $8,054 | $1,799+347.7% | $2,338+244.4% | $2,281+253.1% |
| Participant deferral / active EE | $2,204 | $2,395-8.0% | $2,931-24.8% | $3,203-31.2% |
| Admin fee / account holder | $1,545 | $3,691-58.1% | $4,381-64.7% | $4,296-64.0% |