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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 | $103,164 | $99,345+3.8% | $84,753+21.7% | $273,972-62.3% |
| Participation rate | 100.0% | 80.7%+19.3pp | 76.6%+23.4pp | 83.0%+17.0pp |
| Annual return | 4.45% | 22.93%-18.5pp | 22.78%-18.3pp | 41.46%-37.0pp |
| Employer contribution / active EE | $3,096 | $4,214-26.5% | $3,574-13.4% | $4,869-36.4% |
| Participant deferral / active EE | $8,136 | $4,270+90.5% | $3,712+119.2% | $5,287+53.9% |
| Admin fee / account holder | $2,442 | $6,645-63.3% | $5,333-54.2% | $10,133-75.9% |