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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 | $111,609 | $136,307-18.1% | $106,619+4.7% | $273,972-59.3% |
| Participation rate | 100.0% | 84.8%+15.2pp | 78.0%+22.0pp | 83.0%+17.0pp |
| Annual return | 4.69% | 11.05%-6.4pp | 9.42%-4.7pp | 41.46%-36.8pp |
| Employer contribution / active EE | $7,438 | $5,190+43.3% | $3,947+88.4% | $4,869+52.8% |
| Participant deferral / active EE | $3,470 | $4,969-30.2% | $3,930-11.7% | $5,287-34.4% |
| Admin fee / account holder | $2,407 | $8,625-72.1% | $6,418-62.5% | $10,133-76.2% |