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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 | $75,410 | $93,064-19.0% | $74,577+1.1% | $273,972-72.5% |
| Participation rate | 100.0% | 74.9%+25.1pp | 68.1%+31.9pp | 83.0%+17.0pp |
| Annual return | 6.75% | 26.18%-19.4pp | 20.47%-13.7pp | 41.46%-34.7pp |
| Employer contribution / active EE | $2,097 | $3,160-33.6% | $2,525-17.0% | $4,869-56.9% |
| Participant deferral / active EE | $3,505 | $4,160-15.8% | $3,458+1.3% | $5,287-33.7% |
| Admin fee / account holder | $511 | $5,273-90.3% | $4,138-87.6% | $10,133-95.0% |