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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 | $91,742 | $99,345-7.7% | $84,753+8.2% | $273,972-66.5% |
| Participation rate | 100.0% | 80.7%+19.3pp | 76.6%+23.4pp | 83.0%+17.0pp |
| Annual return | 6.40% | 22.93%-16.5pp | 22.78%-16.4pp | 41.46%-35.1pp |
| Employer contribution / active EE | $7,382 | $4,214+75.2% | $3,574+106.5% | $4,869+51.6% |
| Participant deferral / active EE | $3,568 | $4,270-16.4% | $3,712-3.9% | $5,287-32.5% |
| Admin fee / account holder | $510 | $6,645-92.3% | $5,333-90.4% | $10,133-95.0% |