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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 | $89,581 | $87,106+2.8% | $105,607-15.2% | $80,935+10.7% |
| Participation rate | 100.0% | 70.4%+29.6pp | 75.3%+24.7pp | 67.7%+32.3pp |
| Annual return | 19.43% | 17.01%+2.4pp | 116.11%-96.7pp | 35.66%-16.2pp |
| Employer contribution / active EE | $2,035 | $2,396-15.1% | $3,167-35.7% | $2,757-26.2% |
| Participant deferral / active EE | $2,880 | $3,986-27.8% | $5,011-42.5% | $4,299-33.0% |
| Admin fee / account holder | $9,198 | $8,447+8.9% | $10,958-16.1% | $6,924+32.8% |