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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 | $115,931-0.5% | $185,441-37.8% | $86,983+32.7% |
| Participation rate | 100.0% | 73.6%+26.4pp | 80.3%+19.7pp | 69.5%+30.5pp |
| Annual return | 13.99% | 21.47%-7.5pp | 20.16%-6.2pp | 25.83%-11.8pp |
| Employer contribution / active EE | $2,096 | $2,937-28.6% | $4,672-55.1% | $2,584-18.9% |
| Participant deferral / active EE | $2,580 | $4,551-43.3% | $6,152-58.1% | $4,194-38.5% |
| Admin fee / account holder | $17,646 | $10,687+65.1% | $17,890-1.4% | $7,856+124.6% |