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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 | $75,102 | $73,787+1.8% | $98,716-23.9% | $82,448-8.9% |
| Participation rate | 100.0% | 61.4%+38.6pp | 69.3%+30.7pp | 68.1%+31.9pp |
| Annual return | 16.30% | 18.57%-2.3pp | 31.81%-15.5pp | 41.64%-25.3pp |
| Employer contribution / active EE | $3,758 | $1,511+148.7% | $2,279+64.9% | $2,551+47.3% |
| Participant deferral / active EE | $6,773 | $3,081+119.8% | $4,048+67.3% | $4,139+63.6% |
| Admin fee / account holder | $1,541 | $6,500-76.3% | $8,703-82.3% | $7,234-78.7% |