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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 | $71,589 | $83,898-14.7% | $133,346-46.3% | $94,015-23.9% |
| Participation rate | 100.0% | 63.4%+36.6pp | 72.8%+27.2pp | 70.8%+29.2pp |
| Annual return | 12.85% | 16.00%-3.2pp | 36.85%-24.0pp | 17.84%-5.0pp |
| Employer contribution / active EE | $4,650 | $1,821+155.4% | $2,853+62.9% | $2,790+66.6% |
| Participant deferral / active EE | $3,421 | $3,245+5.4% | $4,332-21.0% | $4,249-19.5% |
| Admin fee / account holder | $3,289 | $7,809-57.9% | $14,264-76.9% | $8,951-63.3% |