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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 | $73,094 | $123,793-41.0% | $177,848-58.9% | $79,856-8.5% |
| Participation rate | 100.0% | 84.7%+15.3pp | 87.7%+12.3pp | 69.6%+30.4pp |
| Annual return | 19.55% | 22.82%-3.3pp | 48.33%-28.8pp | 31.71%-12.2pp |
| Employer contribution / active EE | $2,714 | $4,095-33.7% | $5,919-54.1% | $2,471+9.8% |
| Participant deferral / active EE | $6,761 | $5,956+13.5% | $7,714-12.4% | $3,741+80.7% |
| Admin fee / account holder | $1,391 | $7,243-80.8% | $12,431-88.8% | $5,306-73.8% |