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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 | $76,297 | $97,550-21.8% | $120,344-36.6% | $87,485-12.8% |
| Participation rate | 100.0% | 72.8%+27.2pp | 76.7%+23.3pp | 68.9%+31.1pp |
| Annual return | 16.16% | 18.41%-2.2pp | 20.30%-4.1pp | 26.06%-9.9pp |
| Employer contribution / active EE | $2,593 | $2,291+13.2% | $3,020-14.1% | $2,596-0.1% |
| Participant deferral / active EE | $6,147 | $4,230+45.3% | $5,135+19.7% | $4,274+43.8% |
| Admin fee / account holder | $4,549 | $9,543-52.3% | $12,742-64.3% | $7,775-41.5% |