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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 | $112,625 | $93,598+20.3% | $135,974-17.2% | $75,173+49.8% |
| Participation rate | 100.0% | 75.2%+24.8pp | 81.9%+18.1pp | 67.2%+32.8pp |
| Annual return | 16.16% | 30.89%-14.7pp | 68.30%-52.1pp | 160.72%-144.6pp |
| Employer contribution / active EE | $2,236 | $3,538-36.8% | $4,859-54.0% | $2,671-16.3% |
| Participant deferral / active EE | $6,084 | $6,405-5.0% | $7,760-21.6% | $4,126+47.4% |
| Admin fee / account holder | $648 | $6,978-90.7% | $10,767-94.0% | $5,651-88.5% |