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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 | $73,717 | $81,446-9.5% | $103,374-28.7% | $80,874-8.8% |
| Participation rate | 100.0% | 66.9%+33.1pp | 74.5%+25.5pp | 67.6%+32.4pp |
| Annual return | 13.94% | 25.57%-11.6pp | 24.89%-10.9pp | 35.62%-21.7pp |
| Employer contribution / active EE | $7,065 | $3,107+127.4% | $3,869+82.6% | $2,756+156.4% |
| Participant deferral / active EE | $4,574 | $3,870+18.2% | $5,058-9.6% | $4,297+6.5% |
| Admin fee / account holder | $6,260 | $6,715-6.8% | $8,394-25.4% | $6,935-9.7% |