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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 | $86,146 | $86,940-0.9% | $102,434-15.9% | $80,935+6.4% |
| Participation rate | 100.0% | 72.4%+27.6pp | 76.5%+23.5pp | 67.7%+32.3pp |
| Annual return | 17.53% | 18.89%-1.4pp | 29.46%-11.9pp | 35.66%-18.1pp |
| Employer contribution / active EE | $2,936 | $2,370+23.9% | $3,023-2.9% | $2,757+6.5% |
| Participant deferral / active EE | $3,928 | $4,121-4.7% | $5,055-22.3% | $4,299-8.6% |
| Admin fee / account holder | $2,503 | $8,047-68.9% | $9,462-73.5% | $6,924-63.9% |