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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 | $76,834-2.3% | $108,359-30.7% | $87,485-14.2% |
| Participation rate | 100.0% | 61.7%+38.3pp | 70.1%+29.9pp | 68.9%+31.1pp |
| Annual return | 16.30% | 19.09%-2.8pp | 36.89%-20.6pp | 26.06%-9.8pp |
| Employer contribution / active EE | $3,758 | $1,556+141.5% | $2,399+56.6% | $2,596+44.8% |
| Participant deferral / active EE | $6,773 | $3,100+118.5% | $4,137+63.7% | $4,274+58.5% |
| Admin fee / account holder | $1,541 | $6,537-76.4% | $9,741-84.2% | $7,775-80.2% |