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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 | $73,787-23.4% | $98,716-42.8% | $82,448-31.5% |
| Participation rate | 100.0% | 61.4%+38.6pp | 69.3%+30.7pp | 68.1%+31.9pp |
| Annual return | 12.70% | 18.57%-5.9pp | 31.81%-19.1pp | 41.64%-28.9pp |
| Employer contribution / active EE | $1,775 | $1,511+17.4% | $2,279-22.1% | $2,551-30.4% |
| Participant deferral / active EE | $5,844 | $3,081+89.6% | $4,048+44.4% | $4,139+41.2% |
| Admin fee / account holder | $1,862 | $6,500-71.4% | $8,703-78.6% | $7,234-74.3% |