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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 | $81,423 | $105,623-22.9% | $87,502-6.9% | $273,972-70.3% |
| Participation rate | 100.0% | 78.2%+21.8pp | 73.8%+26.2pp | 83.0%+17.0pp |
| Annual return | 6.07% | 12.26%-6.2pp | 12.21%-6.1pp | 41.46%-35.4pp |
| Employer contribution / active EE | $1,836 | $3,141-41.5% | $2,550-28.0% | $4,869-62.3% |
| Participant deferral / active EE | $1,836 | $3,601-49.0% | $3,149-41.7% | $5,287-65.3% |
| Admin fee / account holder | $2,302 | $4,781-51.8% | $4,221-45.5% | $10,133-77.3% |