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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 | $74,946 | $88,707-15.5% | $74,184+1.0% | $273,972-72.6% |
| Participation rate | 100.0% | 79.4%+20.6pp | 76.6%+23.4pp | 83.0%+17.0pp |
| Annual return | 9.17% | 11.94%-2.8pp | 17.74%-8.6pp | 41.46%-32.3pp |
| Employer contribution / active EE | $6,382 | $3,159+102.0% | $2,370+169.3% | $4,869+31.1% |
| Participant deferral / active EE | $2,240 | $4,212-46.8% | $3,550-36.9% | $5,287-57.6% |
| Admin fee / account holder | $854 | $8,717-90.2% | $5,586-84.7% | $10,133-91.6% |