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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 | $50,755 | $52,306-3.0% | $69,779-27.3% | $62,881-19.3% |
| Participation rate | 100.0% | 67.2%+32.8pp | 71.8%+28.2pp | 69.3%+30.7pp |
| Annual return | 7.81% | 13.35%-5.5pp | 12.99%-5.2pp | 20.14%-12.3pp |
| Employer contribution / active EE | $2,093 | $1,799+16.3% | $2,338-10.5% | $2,281-8.2% |
| Participant deferral / active EE | $7,186 | $2,395+200.1% | $2,931+145.2% | $3,203+124.4% |
| Admin fee / account holder | $1,189 | $3,691-67.8% | $4,381-72.9% | $4,296-72.3% |