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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 | $91,704 | $56,054+63.6% | $171,082-46.4% | $62,881+45.8% |
| Participation rate | 100.0% | 62.9%+37.1pp | 76.7%+23.3pp | 69.3%+30.7pp |
| Annual return | 5.91% | 22.52%-16.6pp | 32.56%-26.6pp | 20.14%-14.2pp |
| Employer contribution / active EE | $1,932 | $1,731+11.6% | $4,002-51.7% | $2,281-15.3% |
| Participant deferral / active EE | $3,575 | $3,158+13.2% | $4,797-25.5% | $3,203+11.6% |
| Admin fee / account holder | $3,143 | $3,647-13.8% | $8,520-63.1% | $4,296-26.8% |