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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 | $73,902 | $52,306+41.3% | $69,779+5.9% | $62,881+17.5% |
| Participation rate | 100.0% | 67.2%+32.8pp | 71.8%+28.2pp | 69.3%+30.7pp |
| Annual return | 7.79% | 13.35%-5.6pp | 12.99%-5.2pp | 20.14%-12.4pp |
| Employer contribution / active EE | $2,176 | $1,799+20.9% | $2,338-6.9% | $2,281-4.6% |
| Participant deferral / active EE | $3,235 | $2,395+35.1% | $2,931+10.4% | $3,203+1.0% |
| Admin fee / account holder | $768 | $3,691-79.2% | $4,381-82.5% | $4,296-82.1% |