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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 | $98,870 | $69,977+41.3% | $108,582-8.9% | $62,881+57.2% |
| Participation rate | 100.0% | 72.9%+27.1pp | 79.6%+20.4pp | 69.3%+30.7pp |
| Annual return | 6.36% | 10.73%-4.4pp | -51.70%+58.1pp | 20.14%-13.8pp |
| Employer contribution / active EE | $2,676 | $2,135+25.3% | $3,758-28.8% | $2,281+17.3% |
| Participant deferral / active EE | $3,079 | $3,165-2.7% | $4,311-28.6% | $3,203-3.9% |
| Admin fee / account holder | $6,376 | $5,076+25.6% | $7,645-16.6% | $4,296+48.4% |