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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 | $56,513 | $76,834-26.4% | $108,359-47.8% | $87,485-35.4% |
| Participation rate | 100.0% | 61.7%+38.3pp | 70.1%+29.9pp | 68.9%+31.1pp |
| Annual return | 12.70% | 19.09%-6.4pp | 36.89%-24.2pp | 26.06%-13.4pp |
| Employer contribution / active EE | $1,775 | $1,556+14.0% | $2,399-26.0% | $2,596-31.6% |
| Participant deferral / active EE | $5,844 | $3,100+88.5% | $4,137+41.3% | $4,274+36.7% |
| Admin fee / account holder | $1,862 | $6,537-71.5% | $9,741-80.9% | $7,775-76.1% |