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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 | $68,417 | $81,504-16.1% | $102,437-33.2% | $80,959-15.5% |
| Participation rate | 100.0% | 66.9%+33.1pp | 74.5%+25.5pp | 67.7%+32.3pp |
| Annual return | 12.20% | 25.60%-13.4pp | 24.95%-12.7pp | 35.67%-23.5pp |
| Employer contribution / active EE | $3,407 | $3,104+9.8% | $3,871-12.0% | $2,757+23.6% |
| Participant deferral / active EE | $2,695 | $3,871-30.4% | $5,060-46.7% | $4,300-37.3% |
| Admin fee / account holder | $1,830 | $6,719-72.8% | $8,388-78.2% | $6,925-73.6% |