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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 | $56,034 | $87,834-36.2% | $133,975-58.2% | $62,881-10.9% |
| Participation rate | 100.0% | 83.4%+16.6pp | 87.1%+12.9pp | 69.3%+30.7pp |
| Annual return | 8.70% | 12.05%-3.3pp | 29.29%-20.6pp | 20.14%-11.4pp |
| Employer contribution / active EE | $3,801 | $3,482+9.2% | $5,211-27.1% | $2,281+66.6% |
| Participant deferral / active EE | $6,812 | $4,812+41.6% | $6,282+8.4% | $3,203+112.7% |
| Admin fee / account holder | $3,501 | $5,372-34.8% | $9,324-62.5% | $4,296-18.5% |