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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 | $57,059 | $106,749-46.5% | $145,433-60.8% | $82,448-30.8% |
| Participation rate | 100.0% | 75.6%+24.4pp | 82.1%+17.9pp | 68.1%+31.9pp |
| Annual return | 28.80% | 27.59%+1.2pp | 66.58%-37.8pp | 41.64%-12.8pp |
| Employer contribution / active EE | $3,816 | $3,444+10.8% | $4,554-16.2% | $2,551+49.6% |
| Participant deferral / active EE | $10,454 | $6,519+60.4% | $7,897+32.4% | $4,139+152.6% |
| Admin fee / account holder | $8,547 | $8,390+1.9% | $13,129-34.9% | $7,234+18.1% |