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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 | $125,208 | $88,707+41.1% | $74,184+68.8% | $273,972-54.3% |
| Participation rate | 100.0% | 79.4%+20.6pp | 76.6%+23.4pp | 83.0%+17.0pp |
| Annual return | 9.16% | 11.94%-2.8pp | 17.74%-8.6pp | 41.46%-32.3pp |
| Employer contribution / active EE | $2,639 | $3,159-16.5% | $2,370+11.4% | $4,869-45.8% |
| Participant deferral / active EE | $11,801 | $4,212+180.2% | $3,550+232.4% | $5,287+123.2% |
| Admin fee / account holder | $879 | $8,717-89.9% | $5,586-84.3% | $10,133-91.3% |