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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 | $81,102 | $99,345-18.4% | $84,753-4.3% | $273,972-70.4% |
| Participation rate | 100.0% | 80.7%+19.3pp | 76.6%+23.4pp | 83.0%+17.0pp |
| Annual return | 8.11% | 22.93%-14.8pp | 22.78%-14.7pp | 41.46%-33.3pp |
| Employer contribution / active EE | $1,255 | $4,214-70.2% | $3,574-64.9% | $4,869-74.2% |
| Participant deferral / active EE | $1,590 | $4,270-62.8% | $3,712-57.2% | $5,287-69.9% |
| Admin fee / account holder | $7,139 | $6,645+7.4% | $5,333+33.9% | $10,133-29.5% |