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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 | $115,391 | $110,137+4.8% | $161,149-28.4% | $82,637+39.6% |
| Participation rate | 100.0% | 72.4%+27.6pp | 78.8%+21.2pp | 68.1%+31.9pp |
| Annual return | 13.99% | 20.69%-6.7pp | 21.16%-7.2pp | 53.51%-39.5pp |
| Employer contribution / active EE | $2,096 | $2,856-26.6% | $4,360-51.9% | $2,552-17.9% |
| Participant deferral / active EE | $2,580 | $4,575-43.6% | $6,153-58.1% | $4,126-37.5% |
| Admin fee / account holder | $17,646 | $9,467+86.4% | $15,194+16.1% | $7,339+140.4% |