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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 | $63,922 | $114,712-44.3% | $173,730-63.2% | $87,485-26.9% |
| Participation rate | 100.0% | 73.0%+27.0pp | 79.6%+20.4pp | 68.9%+31.1pp |
| Annual return | 17.99% | 20.18%-2.2pp | 19.96%-2.0pp | 26.06%-8.1pp |
| Employer contribution / active EE | $3,536 | $2,904+21.8% | $4,577-22.8% | $2,596+36.2% |
| Participant deferral / active EE | $4,716 | $4,642+1.6% | $6,326-25.5% | $4,274+10.4% |
| Admin fee / account holder | $2,139 | $10,210-79.1% | $17,523-87.8% | $7,775-72.5% |