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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 | $119,028 | $88,707+34.2% | $74,184+60.5% | $273,972-56.6% |
| Participation rate | 100.0% | 79.4%+20.6pp | 76.6%+23.4pp | 83.0%+17.0pp |
| Annual return | 7.81% | 11.94%-4.1pp | 17.74%-9.9pp | 41.46%-33.6pp |
| Employer contribution / active EE | $2,475 | $3,159-21.7% | $2,370+4.4% | $4,869-49.2% |
| Participant deferral / active EE | $3,381 | $4,212-19.7% | $3,550-4.8% | $5,287-36.1% |
| Admin fee / account holder | $373 | $8,717-95.7% | $5,586-93.3% | $10,133-96.3% |