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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 | $61,812 | $54,541+13.3% | $78,778-21.5% | $70,126-11.9% |
| Participation rate | 100.0% | 60.8%+39.2pp | 69.2%+30.8pp | 69.5%+30.5pp |
| Annual return | 15.62% | 21.07%-5.4pp | 35.62%-20.0pp | 73.15%-57.5pp |
| Employer contribution / active EE | $3,916 | $1,089+259.8% | $1,986+97.2% | $2,343+67.2% |
| Participant deferral / active EE | $4,056 | $2,210+83.5% | $2,958+37.1% | $3,332+21.7% |
| Admin fee / account holder | $1,810 | $3,709-51.2% | $5,134-64.7% | $4,645-61.0% |