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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 | $86,949-13.3% | $102,460-26.5% | $80,959-6.9% |
| Participation rate | 100.0% | 72.4%+27.6pp | 76.5%+23.5pp | 67.7%+32.3pp |
| Annual return | 12.56% | 18.89%-6.3pp | 29.47%-16.9pp | 35.67%-23.1pp |
| Employer contribution / active EE | $6,144 | $2,370+159.3% | $3,025+103.1% | $2,757+122.8% |
| Participant deferral / active EE | $4,489 | $4,121+8.9% | $5,056-11.2% | $4,300+4.4% |
| Admin fee / account holder | $953 | $8,048-88.2% | $9,460-89.9% | $6,925-86.2% |