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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 | $128,758 | $105,630+21.9% | $87,507+47.1% | $273,968-53.0% |
| Participation rate | 100.0% | 78.2%+21.8pp | 73.8%+26.2pp | 83.0%+17.0pp |
| Annual return | 3.87% | 12.25%-8.4pp | 12.21%-8.3pp | 41.45%-37.6pp |
| Employer contribution / active EE | $2,297 | $3,141-26.9% | $2,550-9.9% | $4,869-52.8% |
| Participant deferral / active EE | $8,834 | $3,601+145.3% | $3,149+180.6% | $5,287+67.1% |
| Admin fee / account holder | $6,906 | $4,781+44.5% | $4,221+63.6% | $10,132-31.8% |