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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 | $102,238 | $105,623-3.2% | $87,502+16.8% | $273,972-62.7% |
| Participation rate | 100.0% | 78.2%+21.8pp | 73.8%+26.2pp | 83.0%+17.0pp |
| Annual return | 9.77% | 12.26%-2.5pp | 12.21%-2.4pp | 41.46%-31.7pp |
| Employer contribution / active EE | $2,751 | $3,141-12.4% | $2,550+7.9% | $4,869-43.5% |
| Participant deferral / active EE | $4,620 | $3,601+28.3% | $3,149+46.7% | $5,287-12.6% |
| Admin fee / account holder | $3,237 | $4,781-32.3% | $4,221-23.3% | $10,133-68.1% |