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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 | $67,217 | $86,949-22.7% | $102,460-34.4% | $80,959-17.0% |
| Participation rate | 100.0% | 72.4%+27.6pp | 76.5%+23.5pp | 67.7%+32.3pp |
| Annual return | 15.72% | 18.89%-3.2pp | 29.47%-13.7pp | 35.67%-19.9pp |
| Employer contribution / active EE | $3,378 | $2,370+42.5% | $3,025+11.7% | $2,757+22.5% |
| Participant deferral / active EE | $8,589 | $4,121+108.4% | $5,056+69.9% | $4,300+99.7% |
| Admin fee / account holder | $3,091 | $8,048-61.6% | $9,460-67.3% | $6,925-55.4% |