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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 | $55,798 | $89,515-37.7% | $103,065-45.9% | $80,959-31.1% |
| Participation rate | 100.0% | 76.0%+24.0pp | 80.6%+19.4pp | 67.7%+32.3pp |
| Annual return | 12.62% | 22.82%-10.2pp | 23.95%-11.3pp | 35.67%-23.0pp |
| Employer contribution / active EE | $4,211 | $4,015+4.9% | $4,675-9.9% | $2,757+52.7% |
| Participant deferral / active EE | $6,514 | $5,463+19.3% | $6,625-1.7% | $4,300+51.5% |
| Admin fee / account holder | $3,181 | $6,527-51.3% | $9,349-66.0% | $6,925-54.1% |