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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 | $93,274 | $74,535+25.1% | $100,712-7.4% | $82,637+12.9% |
| Participation rate | 100.0% | 61.2%+38.8pp | 69.3%+30.7pp | 68.1%+31.9pp |
| Annual return | 16.43% | 18.92%-2.5pp | 33.27%-16.8pp | 53.51%-37.1pp |
| Employer contribution / active EE | $2,349 | $1,503+56.4% | $2,313+1.6% | $2,552-7.9% |
| Participant deferral / active EE | $2,430 | $3,074-20.9% | $4,085-40.5% | $4,126-41.1% |
| Admin fee / account holder | $3,773 | $6,576-42.6% | $9,256-59.2% | $7,339-48.6% |