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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 | $36,713 | $56,894-35.5% | $84,753-56.7% | $62,881-41.6% |
| Participation rate | 100.0% | 68.5%+31.5pp | 76.6%+23.4pp | 69.3%+30.7pp |
| Annual return | 6.87% | 6.30%+0.6pp | 22.78%-15.9pp | 20.14%-13.3pp |
| Employer contribution / active EE | $2,318 | $2,400-3.4% | $3,574-35.1% | $2,281+1.6% |
| Participant deferral / active EE | $4,278 | $2,709+57.9% | $3,712+15.3% | $3,203+33.6% |
| Admin fee / account holder | $931 | $3,581-74.0% | $5,333-82.5% | $4,296-78.3% |