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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 | $64,852 | $77,472-16.3% | $100,415-35.4% | $80,959-19.9% |
| Participation rate | 100.0% | 76.9%+23.1pp | 81.5%+18.5pp | 67.7%+32.3pp |
| Annual return | 13.49% | 37.26%-23.8pp | 49.47%-36.0pp | 35.67%-22.2pp |
| Employer contribution / active EE | $3,010 | $2,800+7.5% | $3,943-23.7% | $2,757+9.2% |
| Participant deferral / active EE | $5,133 | $6,818-24.7% | $8,091-36.6% | $4,300+19.4% |
| Admin fee / account holder | $803 | $5,885-86.4% | $7,906-89.8% | $6,925-88.4% |