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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 | $112,389 | $136,307-17.5% | $106,619+5.4% | $273,972-59.0% |
| Participation rate | 100.0% | 84.8%+15.2pp | 78.0%+22.0pp | 83.0%+17.0pp |
| Annual return | 6.03% | 11.05%-5.0pp | 9.42%-3.4pp | 41.46%-35.4pp |
| Employer contribution / active EE | $4,540 | $5,190-12.5% | $3,947+15.0% | $4,869-6.7% |
| Participant deferral / active EE | $5,055 | $4,969+1.7% | $3,930+28.6% | $5,287-4.4% |
| Admin fee / account holder | $7,095 | $8,625-17.7% | $6,418+10.5% | $10,133-30.0% |