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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 | $97,826 | $99,345-1.5% | $84,753+15.4% | $273,972-64.3% |
| Participation rate | 100.0% | 80.7%+19.3pp | 76.6%+23.4pp | 83.0%+17.0pp |
| Annual return | 7.98% | 22.93%-15.0pp | 22.78%-14.8pp | 41.46%-33.5pp |
| Employer contribution / active EE | $7,843 | $4,214+86.1% | $3,574+119.4% | $4,869+61.1% |
| Participant deferral / active EE | $8,061 | $4,270+88.8% | $3,712+117.2% | $5,287+52.5% |
| Admin fee / account holder | $4,576 | $6,645-31.1% | $5,333-14.2% | $10,133-54.8% |