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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 | $83,843 | $86,922-3.5% | $102,438-18.2% | $80,874+3.7% |
| Participation rate | 100.0% | 72.4%+27.6pp | 76.5%+23.5pp | 67.6%+32.4pp |
| Annual return | 14.51% | 18.90%-4.4pp | 29.37%-14.9pp | 35.62%-21.1pp |
| Employer contribution / active EE | $13,174 | $2,369+456.0% | $3,024+335.7% | $2,756+378.1% |
| Participant deferral / active EE | $10,535 | $4,119+155.8% | $5,054+108.5% | $4,297+145.2% |
| Admin fee / account holder | $3,010 | $8,050-62.6% | $9,448-68.1% | $6,935-56.6% |