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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 | $94,025 | $106,588-11.8% | $94,215-0.2% | $155,188-39.4% |
| Participation rate | 100.0% | 74.3%+25.7pp | 70.0%+30.0pp | 80.8%+19.2pp |
| Annual return | 16.73% | 29.39%-12.7pp | 28.22%-11.5pp | 148.84%-132.1pp |
| Employer contribution / active EE | $885 | $3,080-71.3% | $2,675-66.9% | $4,248-79.2% |
| Participant deferral / active EE | $4,623 | $4,802-3.7% | $4,276+8.1% | $6,531-29.2% |
| Admin fee / account holder | $360 | $12,281-97.1% | $10,216-96.5% | $14,480-97.5% |