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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 | $89,698-37.8% | $103,464-46.1% | $80,874-31.0% |
| Participation rate | 100.0% | 76.0%+24.0pp | 80.5%+19.5pp | 67.6%+32.4pp |
| Annual return | 12.62% | 22.78%-10.2pp | 23.91%-11.3pp | 35.62%-23.0pp |
| Employer contribution / active EE | $4,211 | $4,018+4.8% | $4,677-10.0% | $2,756+52.8% |
| Participant deferral / active EE | $6,514 | $5,456+19.4% | $6,624-1.7% | $4,297+51.6% |
| Admin fee / account holder | $3,181 | $6,768-53.0% | $9,410-66.2% | $6,935-54.1% |