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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 | $78,027+19.4% | $178,528-47.8% | $80,925+15.2% |
| Participation rate | 100.0% | 65.7%+34.3pp | 77.1%+22.9pp | 67.7%+32.3pp |
| Annual return | 16.12% | 18.09%-2.0pp | 27.11%-11.0pp | 35.65%-19.5pp |
| Employer contribution / active EE | $5,939 | $2,281+160.3% | $3,950+50.3% | $2,756+115.5% |
| Participant deferral / active EE | $6,096 | $4,408+38.3% | $6,278-2.9% | $4,299+41.8% |
| Admin fee / account holder | $712 | $7,168-90.1% | $10,419-93.2% | $6,940-89.7% |