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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 | $77,232 | $73,978+4.4% | $96,515-20.0% | $75,173+2.7% |
| Participation rate | 100.0% | 66.4%+33.6pp | 74.3%+25.7pp | 67.2%+32.8pp |
| Annual return | 16.46% | 26.72%-10.3pp | 35.73%-19.3pp | 160.72%-144.3pp |
| Employer contribution / active EE | $4,260 | $2,931+45.4% | $3,740+13.9% | $2,671+59.5% |
| Participant deferral / active EE | $4,275 | $3,660+16.8% | $4,880-12.4% | $4,126+3.6% |
| Admin fee / account holder | $3,812 | $5,219-27.0% | $6,735-43.4% | $5,651-32.5% |