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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 | $70,434 | $132,310-46.8% | $105,754-33.4% | $273,970-74.3% |
| Participation rate | 100.0% | 83.2%+16.8pp | 78.9%+21.1pp | 83.0%+17.0pp |
| Annual return | 8.79% | 10.08%-1.3pp | 12.25%-3.5pp | 41.46%-32.7pp |
| Employer contribution / active EE | $8,980 | $4,867+84.5% | $4,079+120.1% | $4,869+84.4% |
| Participant deferral / active EE | $4,688 | $6,233-24.8% | $5,326-12.0% | $5,287-11.3% |
| Admin fee / account holder | $2,681 | $12,036-77.7% | $8,309-67.7% | $10,132-73.5% |