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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 | $51,953 | $49,025+6.0% | $87,507-40.6% | $62,891-17.4% |
| Participation rate | 100.0% | 64.9%+35.1pp | 73.8%+26.2pp | 69.3%+30.7pp |
| Annual return | 6.90% | 10.02%-3.1pp | 12.21%-5.3pp | 20.14%-13.2pp |
| Employer contribution / active EE | $2,729 | $1,372+98.9% | $2,550+7.0% | $2,281+19.6% |
| Participant deferral / active EE | $3,239 | $2,289+41.5% | $3,149+2.9% | $3,203+1.1% |
| Admin fee / account holder | $708 | $4,065-82.6% | $4,221-83.2% | $4,296-83.5% |