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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 | $63,104 | $97,550-35.3% | $120,344-47.6% | $87,485-27.9% |
| Participation rate | 100.0% | 72.8%+27.2pp | 76.7%+23.3pp | 68.9%+31.1pp |
| Annual return | 17.12% | 18.41%-1.3pp | 20.30%-3.2pp | 26.06%-8.9pp |
| Employer contribution / active EE | $2,008 | $2,291-12.3% | $3,020-33.5% | $2,596-22.6% |
| Participant deferral / active EE | $3,106 | $4,230-26.6% | $5,135-39.5% | $4,274-27.3% |
| Admin fee / account holder | $1,164 | $9,543-87.8% | $12,742-90.9% | $7,775-85.0% |