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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 | $61,249 | $60,349+1.5% | $74,184-17.4% | $62,881-2.6% |
| Participation rate | 98.6% | 72.7%+25.8pp | 76.6%+21.9pp | 69.3%+29.2pp |
| Annual return | 6.85% | 21.38%-14.5pp | 17.74%-10.9pp | 20.14%-13.3pp |
| Employer contribution / active EE | $6,171 | $1,680+267.3% | $2,370+160.4% | $2,281+170.6% |
| Participant deferral / active EE | $3,541 | $2,856+24.0% | $3,550-0.2% | $3,203+10.6% |
| Admin fee / account holder | $2,744 | $4,261-35.6% | $5,586-50.9% | $4,296-36.1% |