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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 | $115,488 | $88,707+30.2% | $74,184+55.7% | $273,972-57.8% |
| Participation rate | 100.0% | 79.4%+20.6pp | 76.6%+23.4pp | 83.0%+17.0pp |
| Annual return | 6.78% | 11.94%-5.2pp | 17.74%-11.0pp | 41.46%-34.7pp |
| Employer contribution / active EE | $1,534 | $3,159-51.4% | $2,370-35.3% | $4,869-68.5% |
| Participant deferral / active EE | $3,457 | $4,212-17.9% | $3,550-2.6% | $5,287-34.6% |
| Admin fee / account holder | $1,856 | $8,717-78.7% | $5,586-66.8% | $10,133-81.7% |