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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 | $68,941 | $88,707-22.3% | $74,184-7.1% | $273,972-74.8% |
| Participation rate | 100.0% | 79.4%+20.6pp | 76.6%+23.4pp | 83.0%+17.0pp |
| Annual return | 3.81% | 11.94%-8.1pp | 17.74%-13.9pp | 41.46%-37.6pp |
| Employer contribution / active EE | $9,131 | $3,159+189.0% | $2,370+285.3% | $4,869+87.5% |
| Participant deferral / active EE | $6,827 | $4,212+62.1% | $3,550+92.3% | $5,287+29.1% |
| Admin fee / account holder | $1,224 | $8,717-86.0% | $5,586-78.1% | $10,133-87.9% |