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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 | $84,733 | $96,562-12.3% | $80,976+4.6% | $273,968-69.1% |
| Participation rate | 100.0% | 79.1%+20.9pp | 75.8%+24.2pp | 83.0%+17.0pp |
| Annual return | 9.15% | 15.14%-6.0pp | 17.10%-8.0pp | 41.45%-32.3pp |
| Employer contribution / active EE | $543 | $4,868-88.9% | $3,714-85.4% | $4,869-88.9% |
| Participant deferral / active EE | $4,584 | $6,597-30.5% | $5,696-19.5% | $5,287-13.3% |
| Admin fee / account holder | $373 | $7,493-95.0% | $5,516-93.2% | $10,132-96.3% |