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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 | $55,056 | $86,919-36.7% | $102,457-46.3% | $80,911-32.0% |
| Participation rate | 100.0% | 72.4%+27.6pp | 76.5%+23.5pp | 67.6%+32.4pp |
| Annual return | 14.59% | 18.90%-4.3pp | 29.41%-14.8pp | 35.63%-21.0pp |
| Employer contribution / active EE | $2,944 | $2,368+24.3% | $3,022-2.6% | $2,756+6.8% |
| Participant deferral / active EE | $6,575 | $4,119+59.6% | $5,054+30.1% | $4,297+53.0% |
| Admin fee / account holder | $1,770 | $8,049-78.0% | $9,451-81.3% | $6,935-74.5% |