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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 | $65,849 | $77,492-15.0% | $100,398-34.4% | $80,911-18.6% |
| Participation rate | 100.0% | 76.9%+23.1pp | 81.5%+18.5pp | 67.6%+32.4pp |
| Annual return | 12.43% | 37.23%-24.8pp | 49.32%-36.9pp | 35.63%-23.2pp |
| Employer contribution / active EE | $4,801 | $2,800+71.5% | $3,946+21.7% | $2,756+74.2% |
| Participant deferral / active EE | $9,069 | $6,817+33.0% | $8,084+12.2% | $4,297+111.0% |
| Admin fee / account holder | $3,657 | $5,892-37.9% | $7,893-53.7% | $6,935-47.3% |