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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 | $69,289 | $81,487-15.0% | $102,412-32.3% | $80,935-14.4% |
| Participation rate | 100.0% | 66.8%+33.2pp | 74.5%+25.5pp | 67.7%+32.3pp |
| Annual return | 15.34% | 25.60%-10.3pp | 24.94%-9.6pp | 35.66%-20.3pp |
| Employer contribution / active EE | $3,610 | $3,103+16.4% | $3,870-6.7% | $2,757+31.0% |
| Participant deferral / active EE | $6,228 | $3,871+60.9% | $5,060+23.1% | $4,299+44.8% |
| Admin fee / account holder | $7,361 | $6,717+9.6% | $8,388-12.2% | $6,924+6.3% |