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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 | $86,787 | $72,486+19.7% | $87,103-0.4% | $72,976+18.9% |
| Participation rate | 100.0% | 72.8%+27.2pp | 76.9%+23.1pp | 69.5%+30.5pp |
| Annual return | 17.86% | 24.46%-6.6pp | 28.19%-10.3pp | 81.02%-63.2pp |
| Employer contribution / active EE | $4,232 | $1,894+123.4% | $2,521+67.8% | $2,440+73.4% |
| Participant deferral / active EE | $3,926 | $3,270+20.1% | $4,049-3.0% | $3,608+8.8% |
| Admin fee / account holder | $2,905 | $5,055-42.5% | $7,491-61.2% | $5,124-43.3% |