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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 | $45,356 | $43,075+5.3% | $74,577-39.2% | $62,881-27.9% |
| Participation rate | 100.0% | 58.1%+41.9pp | 68.1%+31.9pp | 69.3%+30.7pp |
| Annual return | 8.60% | 17.50%-8.9pp | 20.47%-11.9pp | 20.14%-11.5pp |
| Employer contribution / active EE | $5,260 | $1,498+251.3% | $2,525+108.3% | $2,281+130.6% |
| Participant deferral / active EE | $4,182 | $2,389+75.0% | $3,458+20.9% | $3,203+30.6% |
| Admin fee / account holder | $2,943 | $2,840+3.6% | $4,138-28.9% | $4,296-31.5% |