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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 | $91,489 | $105,623-13.4% | $87,502+4.6% | $273,972-66.6% |
| Participation rate | 100.0% | 78.2%+21.8pp | 73.8%+26.2pp | 83.0%+17.0pp |
| Annual return | 7.82% | 12.26%-4.4pp | 12.21%-4.4pp | 41.46%-33.6pp |
| Employer contribution / active EE | $2,139 | $3,141-31.9% | $2,550-16.1% | $4,869-56.1% |
| Participant deferral / active EE | $5,492 | $3,601+52.5% | $3,149+74.4% | $5,287+3.9% |
| Admin fee / account holder | $6,166 | $4,781+29.0% | $4,221+46.1% | $10,133-39.2% |