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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 | $105,965 | $81,446+30.1% | $103,374+2.5% | $80,874+31.0% |
| Participation rate | 100.0% | 66.9%+33.1pp | 74.5%+25.5pp | 67.6%+32.4pp |
| Annual return | 10.59% | 25.57%-15.0pp | 24.89%-14.3pp | 35.62%-25.0pp |
| Employer contribution / active EE | $1,900 | $3,107-38.8% | $3,869-50.9% | $2,756-31.0% |
| Participant deferral / active EE | $4,548 | $3,870+17.5% | $5,058-10.1% | $4,297+5.8% |
| Admin fee / account holder | $21,481 | $6,715+219.9% | $8,394+155.9% | $6,935+209.7% |