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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 | $90,787 | $88,707+2.3% | $74,184+22.4% | $273,972-66.9% |
| Participation rate | 100.0% | 79.4%+20.6pp | 76.6%+23.4pp | 83.0%+17.0pp |
| Annual return | 4.47% | 11.94%-7.5pp | 17.74%-13.3pp | 41.46%-37.0pp |
| Employer contribution / active EE | $3,702 | $3,159+17.2% | $2,370+56.2% | $4,869-24.0% |
| Participant deferral / active EE | $6,071 | $4,212+44.1% | $3,550+71.0% | $5,287+14.8% |
| Admin fee / account holder | $10,053 | $8,717+15.3% | $5,586+80.0% | $10,133-0.8% |