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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 | $65,251 | $76,551-14.8% | $123,894-47.3% | $62,881+3.8% |
| Participation rate | 100.0% | 73.0%+27.0pp | 81.4%+18.6pp | 69.3%+30.7pp |
| Annual return | 7.96% | 18.68%-10.7pp | 47.52%-39.6pp | 20.14%-12.2pp |
| Employer contribution / active EE | $3,033 | $2,882+5.2% | $4,617-34.3% | $2,281+33.0% |
| Participant deferral / active EE | $7,072 | $4,840+46.1% | $5,984+18.2% | $3,203+120.8% |
| Admin fee / account holder | $791 | $4,826-83.6% | $8,357-90.5% | $4,296-81.6% |