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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 | $58,531 | $81,504-28.2% | $102,437-42.9% | $80,959-27.7% |
| Participation rate | 100.0% | 66.9%+33.1pp | 74.5%+25.5pp | 67.7%+32.3pp |
| Annual return | 10.73% | 25.60%-14.9pp | 24.95%-14.2pp | 35.67%-24.9pp |
| Employer contribution / active EE | $3,536 | $3,104+13.9% | $3,871-8.6% | $2,757+28.3% |
| Participant deferral / active EE | $6,359 | $3,871+64.3% | $5,060+25.7% | $4,300+47.9% |
| Admin fee / account holder | $6,442 | $6,719-4.1% | $8,388-23.2% | $6,925-7.0% |