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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 | $82,318 | $93,064-11.5% | $74,577+10.4% | $273,972-70.0% |
| Participation rate | 100.0% | 74.9%+25.1pp | 68.1%+31.9pp | 83.0%+17.0pp |
| Annual return | 23.47% | 26.18%-2.7pp | 20.47%+3.0pp | 41.46%-18.0pp |
| Employer contribution / active EE | $1,280 | $3,160-59.5% | $2,525-49.3% | $4,869-73.7% |
| Participant deferral / active EE | $6,360 | $4,160+52.9% | $3,458+83.9% | $5,287+20.3% |
| Admin fee / account holder | $6,968 | $5,273+32.1% | $4,138+68.4% | $10,133-31.2% |