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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 | $76,667 | $99,345-22.8% | $84,753-9.5% | $273,972-72.0% |
| Participation rate | 100.0% | 80.7%+19.3pp | 76.6%+23.4pp | 83.0%+17.0pp |
| Annual return | 10.98% | 22.93%-11.9pp | 22.78%-11.8pp | 41.46%-30.5pp |
| Employer contribution / active EE | $4,264 | $4,214+1.2% | $3,574+19.3% | $4,869-12.4% |
| Participant deferral / active EE | $8,069 | $4,270+89.0% | $3,712+117.4% | $5,287+52.6% |
| Admin fee / account holder | $7,198 | $6,645+8.3% | $5,333+35.0% | $10,133-29.0% |