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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 | $88,439 | $93,617-5.5% | $135,982-35.0% | $75,177+17.6% |
| Participation rate | 100.0% | 75.2%+24.8pp | 81.9%+18.1pp | 67.2%+32.8pp |
| Annual return | 28.56% | 30.89%-2.3pp | 68.32%-39.8pp | 160.75%-132.2pp |
| Employer contribution / active EE | $2,879 | $3,538-18.6% | $4,859-40.8% | $2,671+7.8% |
| Participant deferral / active EE | $5,818 | $6,406-9.2% | $7,760-25.0% | $4,126+41.0% |
| Admin fee / account holder | $425 | $6,980-93.9% | $10,767-96.1% | $5,651-92.5% |