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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 | $70,866 | $58,493+21.2% | $84,023-15.7% | $72,976-2.9% |
| Participation rate | 100.0% | 61.2%+38.8pp | 69.0%+31.0pp | 69.5%+30.5pp |
| Annual return | 25.54% | 28.93%-3.4pp | 71.32%-45.8pp | 81.02%-55.5pp |
| Employer contribution / active EE | $2,949 | $1,163+153.6% | $1,984+48.7% | $2,440+20.9% |
| Participant deferral / active EE | $1,159 | $2,394-51.6% | $3,239-64.2% | $3,608-67.9% |
| Admin fee / account holder | $703 | $4,569-84.6% | $6,102-88.5% | $5,124-86.3% |