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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 | $99,088 | $199,109-50.2% | $173,730-43.0% | $154,746-36.0% |
| Participation rate | 100.0% | 82.8%+17.2pp | 79.6%+20.4pp | 80.7%+19.3pp |
| Annual return | 14.35% | 20.02%-5.7pp | 19.96%-5.6pp | 172.34%-158.0pp |
| Employer contribution / active EE | $2,531 | $5,311-52.4% | $4,577-44.7% | $4,379-42.2% |
| Participant deferral / active EE | $3,359 | $7,113-52.8% | $6,326-46.9% | $6,730-50.1% |
| Admin fee / account holder | $349 | $20,916-98.3% | $17,523-98.0% | $14,365-97.6% |