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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 | $55,718 | $59,804-6.8% | $81,982-32.0% | $79,856-30.2% |
| Participation rate | 100.0% | 61.6%+38.4pp | 69.3%+30.7pp | 69.6%+30.4pp |
| Annual return | 10.60% | 17.56%-7.0pp | 41.31%-30.7pp | 31.71%-21.1pp |
| Employer contribution / active EE | $1,908 | $1,713+11.3% | $2,498-23.6% | $2,471-22.8% |
| Participant deferral / active EE | $4,148 | $2,695+53.9% | $3,722+11.4% | $3,741+10.9% |
| Admin fee / account holder | $11,422 | $4,288+166.4% | $5,665+101.6% | $5,306+115.2% |