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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 | $145,431-38.8% | $211,142-57.8% | $87,485+1.8% |
| Participation rate | 100.0% | 84.7%+15.3pp | 87.3%+12.7pp | 68.9%+31.1pp |
| Annual return | 16.07% | 27.21%-11.1pp | 46.84%-30.8pp | 26.06%-10.0pp |
| Employer contribution / active EE | $3,615 | $4,662-22.4% | $6,442-43.9% | $2,596+39.2% |
| Participant deferral / active EE | $4,197 | $6,859-38.8% | $9,284-54.8% | $4,274-1.8% |
| Admin fee / account holder | $6,453 | $17,052-62.2% | $19,076-66.2% | $7,775-17.0% |