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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 | $83,556 | $57,119+46.3% | $85,187-1.9% | $80,935+3.2% |
| Participation rate | 100.0% | 56.4%+43.6pp | 67.5%+32.5pp | 67.7%+32.3pp |
| Annual return | 13.42% | 21.70%-8.3pp | 66.67%-53.2pp | 35.66%-22.2pp |
| Employer contribution / active EE | $2,944 | $1,802+63.4% | $2,732+7.7% | $2,757+6.8% |
| Participant deferral / active EE | $5,307 | $3,115+70.4% | $4,525+17.3% | $4,299+23.4% |
| Admin fee / account holder | $1,273 | $4,990-74.5% | $6,162-79.3% | $6,924-81.6% |