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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 | $65,381 | $58,493+11.8% | $84,021-22.2% | $72,975-10.4% |
| Participation rate | 100.0% | 61.2%+38.8pp | 69.0%+31.0pp | 69.5%+30.5pp |
| Annual return | 19.47% | 28.93%-9.5pp | 71.32%-51.9pp | 81.01%-61.5pp |
| Employer contribution / active EE | $1,858 | $1,163+59.7% | $1,984-6.4% | $2,440-23.9% |
| Participant deferral / active EE | $4,780 | $2,394+99.7% | $3,239+47.6% | $3,608+32.5% |
| Admin fee / account holder | $3,292 | $4,569-27.9% | $6,102-46.0% | $5,124-35.7% |