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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 | $55,005 | $99,345-44.6% | $84,753-35.1% | $273,972-79.9% |
| Participation rate | 100.0% | 80.7%+19.3pp | 76.6%+23.4pp | 83.0%+17.0pp |
| Annual return | 6.64% | 22.93%-16.3pp | 22.78%-16.1pp | 41.46%-34.8pp |
| Employer contribution / active EE | $4,410 | $4,214+4.7% | $3,574+23.4% | $4,869-9.4% |
| Participant deferral / active EE | $4,131 | $4,270-3.2% | $3,712+11.3% | $5,287-21.9% |
| Admin fee / account holder | $3,173 | $6,645-52.3% | $5,333-40.5% | $10,133-68.7% |