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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 | $178,397 | $96,956+84.0% | $69,779+155.7% | $273,972-34.9% |
| Participation rate | 100.0% | 77.1%+22.9pp | 71.8%+28.2pp | 83.0%+17.0pp |
| Annual return | 6.18% | 12.93%-6.7pp | 12.99%-6.8pp | 41.46%-35.3pp |
| Employer contribution / active EE | $1,509 | $3,316-54.5% | $2,338-35.5% | $4,869-69.0% |
| Participant deferral / active EE | $5,953 | $3,744+59.0% | $2,931+103.1% | $5,287+12.6% |
| Admin fee / account holder | $1,226 | $7,934-84.5% | $4,381-72.0% | $10,133-87.9% |