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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 | $73,823 | $68,880+7.2% | $120,580-38.8% | $80,959-8.8% |
| Participation rate | 100.0% | 61.7%+38.3pp | 72.0%+28.0pp | 67.7%+32.3pp |
| Annual return | 24.42% | 23.68%+0.7pp | 107.48%-83.1pp | 35.67%-11.3pp |
| Employer contribution / active EE | $2,620 | $2,066+26.8% | $3,469-24.5% | $2,757-5.0% |
| Participant deferral / active EE | $5,796 | $3,191+81.6% | $4,995+16.0% | $4,300+34.8% |
| Admin fee / account holder | $1,181 | $5,785-79.6% | $9,418-87.5% | $6,925-83.0% |