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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 | $94,764 | $99,345-4.6% | $84,753+11.8% | $273,972-65.4% |
| Participation rate | 100.0% | 80.7%+19.3pp | 76.6%+23.4pp | 83.0%+17.0pp |
| Annual return | 6.06% | 22.93%-16.9pp | 22.78%-16.7pp | 41.46%-35.4pp |
| Employer contribution / active EE | $7,416 | $4,214+76.0% | $3,574+107.5% | $4,869+52.3% |
| Participant deferral / active EE | $3,853 | $4,270-9.8% | $3,712+3.8% | $5,287-27.1% |
| Admin fee / account holder | $1,370 | $6,645-79.4% | $5,333-74.3% | $10,133-86.5% |