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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 | $74,791 | $63,764+17.3% | $81,926-8.7% | $79,858-6.3% |
| Participation rate | 100.0% | 67.5%+32.5pp | 72.0%+28.0pp | 69.6%+30.4pp |
| Annual return | 19.70% | 22.66%-3.0pp | 29.49%-9.8pp | 31.72%-12.0pp |
| Employer contribution / active EE | $3,875 | $1,795+115.9% | $4,310-10.1% | $2,471+56.8% |
| Participant deferral / active EE | $2,816 | $2,780+1.3% | $7,108-60.4% | $3,740-24.7% |
| Admin fee / account holder | $7,643 | $4,426+72.7% | $5,159+48.2% | $5,306+44.0% |