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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 | $78,099 | $81,487-4.2% | $102,412-23.7% | $80,935-3.5% |
| Participation rate | 100.0% | 66.8%+33.2pp | 74.5%+25.5pp | 67.7%+32.3pp |
| Annual return | 16.41% | 25.60%-9.2pp | 24.94%-8.5pp | 35.66%-19.3pp |
| Employer contribution / active EE | $2,508 | $3,103-19.2% | $3,870-35.2% | $2,757-9.0% |
| Participant deferral / active EE | $6,269 | $3,871+61.9% | $5,060+23.9% | $4,299+45.8% |
| Admin fee / account holder | $2,015 | $6,717-70.0% | $8,388-76.0% | $6,924-70.9% |