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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 | $60,159 | $88,707-32.2% | $74,184-18.9% | $273,972-78.0% |
| Participation rate | 100.0% | 79.4%+20.6pp | 76.6%+23.4pp | 83.0%+17.0pp |
| Annual return | 5.62% | 11.94%-6.3pp | 17.74%-12.1pp | 41.46%-35.8pp |
| Employer contribution / active EE | $2,488 | $3,159-21.2% | $2,370+5.0% | $4,869-48.9% |
| Participant deferral / active EE | $1,465 | $4,212-65.2% | $3,550-58.7% | $5,287-72.3% |
| Admin fee / account holder | $3,157 | $8,717-63.8% | $5,586-43.5% | $10,133-68.8% |