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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 | $75,604 | $99,345-23.9% | $84,753-10.8% | $273,972-72.4% |
| Participation rate | 100.0% | 80.7%+19.3pp | 76.6%+23.4pp | 83.0%+17.0pp |
| Annual return | 5.78% | 22.93%-17.2pp | 22.78%-17.0pp | 41.46%-35.7pp |
| Employer contribution / active EE | $4,984 | $4,214+18.3% | $3,574+39.4% | $4,869+2.4% |
| Participant deferral / active EE | $3,539 | $4,270-17.1% | $3,712-4.7% | $5,287-33.1% |
| Admin fee / account holder | $3,404 | $6,645-48.8% | $5,333-36.2% | $10,133-66.4% |