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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 | $83,786 | $114,712-27.0% | $173,730-51.8% | $87,485-4.2% |
| Participation rate | 100.0% | 73.0%+27.0pp | 79.6%+20.4pp | 68.9%+31.1pp |
| Annual return | 18.92% | 20.18%-1.3pp | 19.96%-1.0pp | 26.06%-7.1pp |
| Employer contribution / active EE | $3,026 | $2,904+4.2% | $4,577-33.9% | $2,596+16.5% |
| Participant deferral / active EE | $8,150 | $4,642+75.6% | $6,326+28.8% | $4,274+90.7% |
| Admin fee / account holder | $7,502 | $10,210-26.5% | $17,523-57.2% | $7,775-3.5% |