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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 | $57,910 | $56,060+3.3% | $76,002-23.8% | $80,874-28.4% |
| Participation rate | 100.0% | 62.0%+38.0pp | 69.1%+30.9pp | 67.6%+32.4pp |
| Annual return | 11.78% | 20.54%-8.8pp | 360.07%-348.3pp | 35.62%-23.8pp |
| Employer contribution / active EE | $5,895 | $1,873+214.7% | $2,688+119.3% | $2,756+113.9% |
| Participant deferral / active EE | $5,061 | $3,051+65.9% | $4,257+18.9% | $4,297+17.8% |
| Admin fee / account holder | $2,755 | $5,237-47.4% | $6,414-57.0% | $6,935-60.3% |