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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 | $126,090 | $212,777-40.7% | $173,703-27.4% | $198,609-36.5% |
| Participation rate | 100.0% | 81.1%+18.9pp | 75.9%+24.1pp | 82.4%+17.6pp |
| Annual return | 6.56% | 18.82%-12.3pp | 17.46%-10.9pp | 202.70%-196.1pp |
| Employer contribution / active EE | $5,592 | $5,214+7.3% | $4,288+30.4% | $5,055+10.6% |
| Participant deferral / active EE | $10,079 | $5,697+76.9% | $4,854+107.6% | $6,977+44.5% |
| Admin fee / account holder | $1,879 | $19,536-90.4% | $15,562-87.9% | $19,030-90.1% |