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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 | $81,446-28.1% | $103,374-43.4% | $80,874-27.6% |
| Participation rate | 100.0% | 66.9%+33.1pp | 74.5%+25.5pp | 67.6%+32.4pp |
| Annual return | 10.73% | 25.57%-14.8pp | 24.89%-14.2pp | 35.62%-24.9pp |
| Employer contribution / active EE | $3,536 | $3,107+13.8% | $3,869-8.6% | $2,756+28.3% |
| Participant deferral / active EE | $6,359 | $3,870+64.3% | $5,058+25.7% | $4,297+48.0% |
| Admin fee / account holder | $6,442 | $6,715-4.1% | $8,394-23.3% | $6,935-7.1% |