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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 | $135,908 | $86,938+56.3% | $102,423+32.7% | $80,925+67.9% |
| Participation rate | 100.0% | 72.4%+27.6pp | 76.5%+23.5pp | 67.7%+32.3pp |
| Annual return | 12.82% | 18.89%-6.1pp | 29.42%-16.6pp | 35.65%-22.8pp |
| Employer contribution / active EE | $3,192 | $2,369+34.7% | $3,023+5.6% | $2,756+15.8% |
| Participant deferral / active EE | $3,761 | $4,120-8.7% | $5,054-25.6% | $4,299-12.5% |
| Admin fee / account holder | $6,426 | $8,053-20.2% | $9,455-32.0% | $6,940-7.4% |