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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 | $72,088 | $81,487-11.5% | $102,412-29.6% | $80,935-10.9% |
| Participation rate | 100.0% | 66.8%+33.2pp | 74.5%+25.5pp | 67.7%+32.3pp |
| Annual return | 15.28% | 25.60%-10.3pp | 24.94%-9.7pp | 35.66%-20.4pp |
| Employer contribution / active EE | $6,103 | $3,103+96.7% | $3,870+57.7% | $2,757+121.4% |
| Participant deferral / active EE | $5,045 | $3,871+30.3% | $5,060-0.3% | $4,299+17.3% |
| Admin fee / account holder | $620 | $6,717-90.8% | $8,388-92.6% | $6,924-91.0% |