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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 | $76,814 | $56,544+35.8% | $75,501+1.7% | $70,126+9.5% |
| Participation rate | 100.0% | 68.1%+31.9pp | 72.4%+27.6pp | 69.5%+30.5pp |
| Annual return | 15.96% | 23.59%-7.6pp | 27.35%-11.4pp | 73.15%-57.2pp |
| Employer contribution / active EE | $4,108 | $1,817+126.2% | $2,352+74.7% | $2,343+75.4% |
| Participant deferral / active EE | $2,978 | $2,580+15.4% | $3,142-5.2% | $3,332-10.6% |
| Admin fee / account holder | $1,902 | $3,827-50.3% | $5,801-67.2% | $4,645-59.1% |