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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 | $93,031 | $64,920+43.3% | $103,693-10.3% | $86,983+7.0% |
| Participation rate | 100.0% | 63.6%+36.4pp | 72.6%+27.4pp | 69.5%+30.5pp |
| Annual return | 14.38% | 30.29%-15.9pp | 47.61%-33.2pp | 25.83%-11.5pp |
| Employer contribution / active EE | $2,522 | $2,141+17.8% | $2,920-13.6% | $2,584-2.4% |
| Participant deferral / active EE | $4,678 | $3,241+44.3% | $4,579+2.2% | $4,194+11.5% |
| Admin fee / account holder | $6,132 | $6,191-1.0% | $7,858-22.0% | $7,856-21.9% |