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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 | $76,279 | $77,472-1.5% | $100,415-24.0% | $80,959-5.8% |
| Participation rate | 100.0% | 76.9%+23.1pp | 81.5%+18.5pp | 67.7%+32.3pp |
| Annual return | 13.38% | 37.26%-23.9pp | 49.47%-36.1pp | 35.67%-22.3pp |
| Employer contribution / active EE | $3,860 | $2,800+37.9% | $3,943-2.1% | $2,757+40.0% |
| Participant deferral / active EE | $7,256 | $6,818+6.4% | $8,091-10.3% | $4,300+68.7% |
| Admin fee / account holder | $2,517 | $5,885-57.2% | $7,906-68.2% | $6,925-63.6% |