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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 | $99,422 | $96,956+2.5% | $69,779+42.5% | $273,972-63.7% |
| Participation rate | 100.0% | 77.1%+22.9pp | 71.8%+28.2pp | 83.0%+17.0pp |
| Annual return | 2.45% | 12.93%-10.5pp | 12.99%-10.5pp | 41.46%-39.0pp |
| Employer contribution / active EE | $13,387 | $3,316+303.7% | $2,338+472.5% | $4,869+175.0% |
| Participant deferral / active EE | $2,117 | $3,744-43.4% | $2,931-27.8% | $5,287-60.0% |
| Admin fee / account holder | $1,732 | $7,934-78.2% | $4,381-60.5% | $10,133-82.9% |