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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 | $69,638 | $88,707-21.5% | $74,184-6.1% | $273,972-74.6% |
| Participation rate | 100.0% | 79.4%+20.6pp | 76.6%+23.4pp | 83.0%+17.0pp |
| Annual return | 7.10% | 11.94%-4.8pp | 17.74%-10.6pp | 41.46%-34.4pp |
| Employer contribution / active EE | $5,571 | $3,159+76.3% | $2,370+135.1% | $4,869+14.4% |
| Participant deferral / active EE | $9,982 | $4,212+137.0% | $3,550+181.2% | $5,287+88.8% |
| Admin fee / account holder | $1,227 | $8,717-85.9% | $5,586-78.0% | $10,133-87.9% |