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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 | $94,181 | $105,623-10.8% | $87,502+7.6% | $273,972-65.6% |
| Participation rate | 100.0% | 78.2%+21.8pp | 73.8%+26.2pp | 83.0%+17.0pp |
| Annual return | 8.61% | 12.26%-3.6pp | 12.21%-3.6pp | 41.46%-32.8pp |
| Employer contribution / active EE | $1,836 | $3,141-41.5% | $2,550-28.0% | $4,869-62.3% |
| Participant deferral / active EE | $8,374 | $3,601+132.6% | $3,149+165.9% | $5,287+58.4% |
| Admin fee / account holder | $939 | $4,781-80.4% | $4,221-77.8% | $10,133-90.7% |