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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 | $85,482 | $145,431-41.2% | $211,142-59.5% | $87,485-2.3% |
| Participation rate | 100.0% | 84.7%+15.3pp | 87.3%+12.7pp | 68.9%+31.1pp |
| Annual return | 16.54% | 27.21%-10.7pp | 46.84%-30.3pp | 26.06%-9.5pp |
| Employer contribution / active EE | $3,921 | $4,662-15.9% | $6,442-39.1% | $2,596+51.0% |
| Participant deferral / active EE | $9,307 | $6,859+35.7% | $9,284+0.3% | $4,274+117.8% |
| Admin fee / account holder | $7,446 | $17,052-56.3% | $19,076-61.0% | $7,775-4.2% |