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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 | $70,874 | $81,504-13.0% | $102,437-30.8% | $80,959-12.5% |
| Participation rate | 100.0% | 66.9%+33.1pp | 74.5%+25.5pp | 67.7%+32.3pp |
| Annual return | 13.27% | 25.60%-12.3pp | 24.95%-11.7pp | 35.67%-22.4pp |
| Employer contribution / active EE | $3,832 | $3,104+23.5% | $3,871-1.0% | $2,757+39.0% |
| Participant deferral / active EE | $12,988 | $3,871+235.5% | $5,060+156.7% | $4,300+202.0% |
| Admin fee / account holder | $3,241 | $6,719-51.8% | $8,388-61.4% | $6,925-53.2% |