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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 | $75,350 | $86,922-13.3% | $102,438-26.4% | $80,874-6.8% |
| Participation rate | 100.0% | 72.4%+27.6pp | 76.5%+23.5pp | 67.6%+32.4pp |
| Annual return | 12.56% | 18.90%-6.3pp | 29.37%-16.8pp | 35.62%-23.1pp |
| Employer contribution / active EE | $6,144 | $2,369+159.3% | $3,024+103.2% | $2,756+122.9% |
| Participant deferral / active EE | $4,489 | $4,119+9.0% | $5,054-11.2% | $4,297+4.5% |
| Admin fee / account holder | $953 | $8,050-88.2% | $9,448-89.9% | $6,935-86.3% |