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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 | $79,287 | $81,504-2.7% | $102,437-22.6% | $80,959-2.1% |
| Participation rate | 100.0% | 66.9%+33.1pp | 74.5%+25.5pp | 67.7%+32.3pp |
| Annual return | 16.93% | 25.60%-8.7pp | 24.95%-8.0pp | 35.67%-18.7pp |
| Employer contribution / active EE | $2,197 | $3,104-29.2% | $3,871-43.2% | $2,757-20.3% |
| Participant deferral / active EE | $6,934 | $3,871+79.1% | $5,060+37.0% | $4,300+61.3% |
| Admin fee / account holder | $5,131 | $6,719-23.6% | $8,388-38.8% | $6,925-25.9% |