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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 | $132,775 | $99,345+33.7% | $84,753+56.7% | $273,972-51.5% |
| Participation rate | 100.0% | 80.7%+19.3pp | 76.6%+23.4pp | 83.0%+17.0pp |
| Annual return | 3.47% | 22.93%-19.5pp | 22.78%-19.3pp | 41.46%-38.0pp |
| Employer contribution / active EE | $1,198 | $4,214-71.6% | $3,574-66.5% | $4,869-75.4% |
| Participant deferral / active EE | $8,405 | $4,270+96.9% | $3,712+126.4% | $5,287+59.0% |
| Admin fee / account holder | $3,629 | $6,645-45.4% | $5,333-32.0% | $10,133-64.2% |