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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 | $73,601 | $67,602+8.9% | $82,312-10.6% | $70,126+5.0% |
| Participation rate | 100.0% | 72.8%+27.2pp | 76.9%+23.1pp | 69.5%+30.5pp |
| Annual return | 12.97% | 21.57%-8.6pp | 25.88%-12.9pp | 73.15%-60.2pp |
| Employer contribution / active EE | $2,734 | $1,755+55.8% | $2,428+12.6% | $2,343+16.7% |
| Participant deferral / active EE | $1,674 | $2,987-43.9% | $3,706-54.8% | $3,332-49.7% |
| Admin fee / account holder | $3,270 | $4,512-27.5% | $5,608-41.7% | $4,645-29.6% |