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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 | $80,064 | $88,707-9.7% | $74,184+7.9% | $273,972-70.8% |
| Participation rate | 100.0% | 79.4%+20.6pp | 76.6%+23.4pp | 83.0%+17.0pp |
| Annual return | 4.88% | 11.94%-7.1pp | 17.74%-12.9pp | 41.46%-36.6pp |
| Employer contribution / active EE | $7,235 | $3,159+129.0% | $2,370+205.3% | $4,869+48.6% |
| Participant deferral / active EE | $6,598 | $4,212+56.7% | $3,550+85.9% | $5,287+24.8% |
| Admin fee / account holder | $353 | $8,717-96.0% | $5,586-93.7% | $10,133-96.5% |