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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 | $82,655 | $86,922-4.9% | $102,438-19.3% | $80,874+2.2% |
| Participation rate | 100.0% | 72.4%+27.6pp | 76.5%+23.5pp | 67.6%+32.4pp |
| Annual return | 12.62% | 18.90%-6.3pp | 29.37%-16.8pp | 35.62%-23.0pp |
| Employer contribution / active EE | $4,801 | $2,369+102.6% | $3,024+58.8% | $2,756+74.2% |
| Participant deferral / active EE | $4,296 | $4,119+4.3% | $5,054-15.0% | $4,2970% |
| Admin fee / account holder | $2,986 | $8,050-62.9% | $9,448-68.4% | $6,935-56.9% |