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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 | $76,154 | $95,453-20.2% | $112,040-32.0% | $82,448-7.6% |
| Participation rate | 100.0% | 72.8%+27.2pp | 76.5%+23.5pp | 68.1%+31.9pp |
| Annual return | 17.53% | 23.92%-6.4pp | 24.52%-7.0pp | 41.64%-24.1pp |
| Employer contribution / active EE | $3,954 | $2,318+70.6% | $2,954+33.9% | $2,551+55.0% |
| Participant deferral / active EE | $7,827 | $4,224+85.3% | $5,098+53.5% | $4,139+89.1% |
| Admin fee / account holder | $3,753 | $9,013-58.4% | $12,098-69.0% | $7,234-48.1% |