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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 | $64,814 | $64,348+0.7% | $90,162-28.1% | $70,131-7.6% |
| Participation rate | 100.0% | 70.4%+29.6pp | 76.9%+23.1pp | 69.5%+30.5pp |
| Annual return | 16.35% | 28.13%-11.8pp | 34.88%-18.5pp | 73.14%-56.8pp |
| Employer contribution / active EE | $3,090 | $2,046+51.1% | $3,318-6.9% | $2,342+31.9% |
| Participant deferral / active EE | $2,778 | $4,389-36.7% | $5,287-47.5% | $3,332-16.6% |
| Admin fee / account holder | $2,704 | $3,944-31.4% | $5,943-54.5% | $4,645-41.8% |