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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 | $99,274 | $93,598+6.1% | $135,974-27.0% | $75,173+32.1% |
| Participation rate | 100.0% | 75.2%+24.8pp | 81.9%+18.1pp | 67.2%+32.8pp |
| Annual return | 19.84% | 30.89%-11.0pp | 68.30%-48.5pp | 160.72%-140.9pp |
| Employer contribution / active EE | $2,915 | $3,538-17.6% | $4,859-40.0% | $2,671+9.1% |
| Participant deferral / active EE | $9,704 | $6,405+51.5% | $7,760+25.1% | $4,126+135.2% |
| Admin fee / account holder | $4,947 | $6,978-29.1% | $10,767-54.1% | $5,651-12.5% |