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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 | $86,132 | $87,059-1.1% | $105,608-18.4% | $80,925+6.4% |
| Participation rate | 100.0% | 70.4%+29.6pp | 75.3%+24.7pp | 67.7%+32.3pp |
| Annual return | 14.23% | 17.05%-2.8pp | 116.50%-102.3pp | 35.65%-21.4pp |
| Employer contribution / active EE | $4,396 | $2,396+83.4% | $3,167+38.8% | $2,756+59.5% |
| Participant deferral / active EE | $4,030 | $3,986+1.1% | $5,010-19.5% | $4,299-6.2% |
| Admin fee / account holder | $7,034 | $8,443-16.7% | $11,028-36.2% | $6,940+1.4% |