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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 | $118,906 | $88,707+34.0% | $74,184+60.3% | $273,972-56.6% |
| Participation rate | 100.0% | 79.4%+20.6pp | 76.6%+23.4pp | 83.0%+17.0pp |
| Annual return | 7.32% | 11.94%-4.6pp | 17.74%-10.4pp | 41.46%-34.1pp |
| Employer contribution / active EE | $2,437 | $3,159-22.9% | $2,370+2.8% | $4,869-50.0% |
| Participant deferral / active EE | $6,524 | $4,212+54.9% | $3,550+83.8% | $5,287+23.4% |
| Admin fee / account holder | $1,550 | $8,717-82.2% | $5,586-72.2% | $10,133-84.7% |