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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 | $78,993 | $86,940-9.1% | $102,434-22.9% | $80,935-2.4% |
| Participation rate | 100.0% | 72.4%+27.6pp | 76.5%+23.5pp | 67.7%+32.3pp |
| Annual return | 17.07% | 18.89%-1.8pp | 29.46%-12.4pp | 35.66%-18.6pp |
| Employer contribution / active EE | $2,591 | $2,370+9.3% | $3,023-14.3% | $2,757-6.0% |
| Participant deferral / active EE | $4,812 | $4,121+16.8% | $5,055-4.8% | $4,299+11.9% |
| Admin fee / account holder | $2,405 | $8,047-70.1% | $9,462-74.6% | $6,924-65.3% |