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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 | $63,504 | $93,598-32.2% | $135,974-53.3% | $75,173-15.5% |
| Participation rate | 100.0% | 75.2%+24.8pp | 81.9%+18.1pp | 67.2%+32.8pp |
| Annual return | 17.50% | 30.89%-13.4pp | 68.30%-50.8pp | 160.72%-143.2pp |
| Employer contribution / active EE | $3,589 | $3,538+1.4% | $4,859-26.1% | $2,671+34.4% |
| Participant deferral / active EE | $7,727 | $6,405+20.6% | $7,760-0.4% | $4,126+87.3% |
| Admin fee / account holder | $5,457 | $6,978-21.8% | $10,767-49.3% | $5,651-3.4% |