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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 | $104,098-26.7% | $140,514-45.7% | $94,015-18.8% |
| Participation rate | 100.0% | 73.7%+26.3pp | 77.8%+22.2pp | 70.8%+29.2pp |
| Annual return | 16.16% | 15.14%+1.0pp | 14.36%+1.8pp | 17.84%-1.7pp |
| Employer contribution / active EE | $2,593 | $2,388+8.6% | $3,378-23.2% | $2,790-7.0% |
| Participant deferral / active EE | $6,147 | $4,033+52.4% | $4,919+25.0% | $4,249+44.6% |
| Admin fee / account holder | $4,549 | $10,439-56.4% | $13,697-66.8% | $8,951-49.2% |