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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 | $78,013-10.8% | $178,449-61.0% | $80,911-14.0% |
| Participation rate | 100.0% | 65.7%+34.3pp | 77.1%+22.9pp | 67.6%+32.4pp |
| Annual return | 11.59% | 18.07%-6.5pp | 27.09%-15.5pp | 35.63%-24.0pp |
| Employer contribution / active EE | $2,864 | $2,287+25.2% | $3,951-27.5% | $2,756+3.9% |
| Participant deferral / active EE | $4,819 | $4,408+9.3% | $6,277-23.2% | $4,297+12.1% |
| Admin fee / account holder | $3,657 | $7,166-49.0% | $10,362-64.7% | $6,935-47.3% |