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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 | $81,555 | $95,453-14.6% | $112,040-27.2% | $82,448-1.1% |
| Participation rate | 100.0% | 72.8%+27.2pp | 76.5%+23.5pp | 68.1%+31.9pp |
| Annual return | 17.69% | 23.92%-6.2pp | 24.52%-6.8pp | 41.64%-24.0pp |
| Employer contribution / active EE | $3,844 | $2,318+65.9% | $2,954+30.1% | $2,551+50.7% |
| Participant deferral / active EE | $5,900 | $4,224+39.7% | $5,098+15.7% | $4,139+42.5% |
| Admin fee / account holder | $687 | $9,013-92.4% | $12,098-94.3% | $7,234-90.5% |