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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 | $83,289 | $63,082+32.0% | $81,726+1.9% | $79,856+4.3% |
| Participation rate | 100.0% | 67.5%+32.5pp | 72.0%+28.0pp | 69.6%+30.4pp |
| Annual return | 11.58% | 22.66%-11.1pp | 29.49%-17.9pp | 31.71%-20.1pp |
| Employer contribution / active EE | $4,092 | $1,795+127.9% | $4,311-5.1% | $2,471+65.6% |
| Participant deferral / active EE | $3,513 | $2,780+26.3% | $7,108-50.6% | $3,741-6.1% |
| Admin fee / account holder | $3,726 | $4,428-15.9% | $5,160-27.8% | $5,306-29.8% |