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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 | $97,342 | $76,551+27.2% | $123,894-21.4% | $62,881+54.8% |
| Participation rate | 100.0% | 73.0%+27.0pp | 81.4%+18.6pp | 69.3%+30.7pp |
| Annual return | 6.32% | 18.68%-12.4pp | 47.52%-41.2pp | 20.14%-13.8pp |
| Employer contribution / active EE | $3,382 | $2,882+17.3% | $4,617-26.7% | $2,281+48.3% |
| Participant deferral / active EE | $4,398 | $4,840-9.1% | $5,984-26.5% | $3,203+37.3% |
| Admin fee / account holder | $637 | $4,826-86.8% | $8,357-92.4% | $4,296-85.2% |