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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 | $60,049 | $60,349-0.5% | $74,184-19.1% | $62,881-4.5% |
| Participation rate | 96.2% | 72.7%+23.4pp | 76.6%+19.5pp | 69.3%+26.8pp |
| Annual return | 7.91% | 21.38%-13.5pp | 17.74%-9.8pp | 20.14%-12.2pp |
| Employer contribution / active EE | $3,059 | $1,680+82.1% | $2,370+29.1% | $2,281+34.1% |
| Participant deferral / active EE | $3,025 | $2,856+5.9% | $3,550-14.8% | $3,203-5.5% |
| Admin fee / account holder | $964 | $4,261-77.4% | $5,586-82.7% | $4,296-77.6% |