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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 | $96,794 | $99,345-2.6% | $84,753+14.2% | $273,972-64.7% |
| Participation rate | 100.0% | 80.7%+19.3pp | 76.6%+23.4pp | 83.0%+17.0pp |
| Annual return | 4.65% | 22.93%-18.3pp | 22.78%-18.1pp | 41.46%-36.8pp |
| Employer contribution / active EE | $11,364 | $4,214+169.7% | $3,574+217.9% | $4,869+133.4% |
| Participant deferral / active EE | $6,985 | $4,270+63.6% | $3,712+88.2% | $5,287+32.1% |
| Admin fee / account holder | $305 | $6,645-95.4% | $5,333-94.3% | $10,133-97.0% |