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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 | $69,598 | $78,015-10.8% | $178,505-61.0% | $80,959-14.0% |
| Participation rate | 100.0% | 65.7%+34.3pp | 77.1%+22.9pp | 67.7%+32.3pp |
| Annual return | 11.59% | 18.10%-6.5pp | 27.16%-15.6pp | 35.67%-24.1pp |
| Employer contribution / active EE | $2,864 | $2,281+25.5% | $3,955-27.6% | $2,757+3.9% |
| Participant deferral / active EE | $4,819 | $4,406+9.4% | $6,280-23.3% | $4,300+12.1% |
| Admin fee / account holder | $3,657 | $7,160-48.9% | $10,428-64.9% | $6,925-47.2% |