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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 | $77,398 | $76,834+0.7% | $108,359-28.6% | $87,485-11.5% |
| Participation rate | 100.0% | 61.7%+38.3pp | 70.1%+29.9pp | 68.9%+31.1pp |
| Annual return | 17.41% | 19.09%-1.7pp | 36.89%-19.5pp | 26.06%-8.6pp |
| Employer contribution / active EE | $3,440 | $1,556+121.0% | $2,399+43.4% | $2,596+32.5% |
| Participant deferral / active EE | $3,496 | $3,100+12.8% | $4,137-15.5% | $4,274-18.2% |
| Admin fee / account holder | $886 | $6,537-86.4% | $9,741-90.9% | $7,775-88.6% |