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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 | $77,574+20.2% | $108,753-14.2% | $86,983+7.2% |
| Participation rate | 100.0% | 62.3%+37.7pp | 71.1%+28.9pp | 69.5%+30.5pp |
| Annual return | 16.43% | 18.42%-2.0pp | 37.47%-21.0pp | 25.83%-9.4pp |
| Employer contribution / active EE | $2,349 | $1,611+45.9% | $2,427-3.2% | $2,584-9.1% |
| Participant deferral / active EE | $2,430 | $3,128-22.3% | $4,115-40.9% | $4,194-42.1% |
| Admin fee / account holder | $3,773 | $6,529-42.2% | $10,320-63.4% | $7,856-52.0% |