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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 | $70,570 | $77,962-9.5% | $178,540-60.5% | $80,935-12.8% |
| Participation rate | 100.0% | 65.7%+34.3pp | 77.1%+22.9pp | 67.7%+32.3pp |
| Annual return | 14.97% | 18.10%-3.1pp | 27.15%-12.2pp | 35.66%-20.7pp |
| Employer contribution / active EE | $4,655 | $2,280+104.2% | $3,953+17.8% | $2,757+68.9% |
| Participant deferral / active EE | $8,323 | $4,404+89.0% | $6,281+32.5% | $4,299+93.6% |
| Admin fee / account holder | $3,645 | $7,156-49.1% | $10,424-65.0% | $6,924-47.4% |