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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 | $76,165 | $78,015-2.4% | $178,505-57.3% | $80,959-5.9% |
| Participation rate | 100.0% | 65.7%+34.3pp | 77.1%+22.9pp | 67.7%+32.3pp |
| Annual return | 14.62% | 18.10%-3.5pp | 27.16%-12.5pp | 35.67%-21.0pp |
| Employer contribution / active EE | $5,731 | $2,281+151.2% | $3,955+44.9% | $2,757+107.9% |
| Participant deferral / active EE | $7,048 | $4,406+60.0% | $6,280+12.2% | $4,300+63.9% |
| Admin fee / account holder | $5,757 | $7,160-19.6% | $10,428-44.8% | $6,925-16.9% |