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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 | $89,039 | $149,446-40.4% | $256,809-65.3% | $94,015-5.3% |
| Participation rate | 100.0% | 85.3%+14.7pp | 88.5%+11.5pp | 70.8%+29.2pp |
| Annual return | 16.07% | 17.55%-1.5pp | 32.73%-16.7pp | 17.84%-1.8pp |
| Employer contribution / active EE | $3,615 | $4,596-21.3% | $7,263-50.2% | $2,790+29.6% |
| Participant deferral / active EE | $4,197 | $6,491-35.3% | $9,520-55.9% | $4,249-1.2% |
| Admin fee / account holder | $6,453 | $24,035-73.1% | $25,146-74.3% | $8,951-27.9% |