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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 | $89,039 | $146,267-39.1% | $197,124-54.8% | $82,448+8.0% |
| Participation rate | 100.0% | 84.0%+16.0pp | 86.7%+13.3pp | 68.1%+31.9pp |
| Annual return | 16.07% | 29.61%-13.5pp | 44.34%-28.3pp | 41.64%-25.6pp |
| Employer contribution / active EE | $3,615 | $4,723-23.5% | $6,227-41.9% | $2,551+41.7% |
| Participant deferral / active EE | $4,197 | $7,035-40.3% | $9,135-54.1% | $4,139+1.4% |
| Admin fee / account holder | $6,453 | $14,422-55.3% | $16,298-60.4% | $7,234-10.8% |