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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 | $93,202 | $78,015+19.5% | $178,505-47.8% | $80,959+15.1% |
| Participation rate | 100.0% | 65.7%+34.3pp | 77.1%+22.9pp | 67.7%+32.3pp |
| Annual return | 16.12% | 18.10%-2.0pp | 27.16%-11.0pp | 35.67%-19.5pp |
| Employer contribution / active EE | $5,939 | $2,281+160.3% | $3,955+50.1% | $2,757+115.4% |
| Participant deferral / active EE | $6,096 | $4,406+38.4% | $6,280-2.9% | $4,300+41.8% |
| Admin fee / account holder | $712 | $7,160-90.1% | $10,428-93.2% | $6,925-89.7% |