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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 | $62,355 | $86,949-28.3% | $102,460-39.1% | $80,959-23.0% |
| Participation rate | 100.0% | 72.4%+27.6pp | 76.5%+23.5pp | 67.7%+32.3pp |
| Annual return | 11.81% | 18.89%-7.1pp | 29.47%-17.7pp | 35.67%-23.9pp |
| Employer contribution / active EE | $7,197 | $2,370+203.7% | $3,025+137.9% | $2,757+161.0% |
| Participant deferral / active EE | $4,807 | $4,121+16.6% | $5,056-4.9% | $4,300+11.8% |
| Admin fee / account holder | $1,912 | $8,048-76.2% | $9,460-79.8% | $6,925-72.4% |