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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 | $94,987 | $86,938+9.3% | $102,423-7.3% | $80,925+17.4% |
| Participation rate | 100.0% | 72.4%+27.6pp | 76.5%+23.5pp | 67.7%+32.3pp |
| Annual return | 13.36% | 18.89%-5.5pp | 29.42%-16.1pp | 35.65%-22.3pp |
| Employer contribution / active EE | $2,612 | $2,369+10.3% | $3,023-13.6% | $2,756-5.2% |
| Participant deferral / active EE | $5,262 | $4,120+27.7% | $5,054+4.1% | $4,299+22.4% |
| Admin fee / account holder | $3,080 | $8,053-61.7% | $9,455-67.4% | $6,940-55.6% |