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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 | $81,457-2.7% | $103,378-23.3% | $80,911-2.0% |
| Participation rate | 100.0% | 66.8%+33.2pp | 74.5%+25.5pp | 67.6%+32.4pp |
| Annual return | 16.93% | 25.58%-8.6pp | 24.91%-8.0pp | 35.63%-18.7pp |
| Employer contribution / active EE | $2,197 | $3,107-29.3% | $3,870-43.2% | $2,756-20.3% |
| Participant deferral / active EE | $6,934 | $3,871+79.1% | $5,058+37.1% | $4,297+61.4% |
| Admin fee / account holder | $5,131 | $6,717-23.6% | $8,401-38.9% | $6,935-26.0% |