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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 | $99,578 | $81,331+22.4% | $155,534-36.0% | $80,935+23.0% |
| Participation rate | 100.0% | 66.3%+33.7pp | 78.2%+21.8pp | 67.7%+32.3pp |
| Annual return | 12.98% | 33.37%-20.4pp | 64.92%-51.9pp | 35.66%-22.7pp |
| Employer contribution / active EE | $2,037 | $3,105-34.4% | $4,675-56.4% | $2,757-26.1% |
| Participant deferral / active EE | $3,806 | $3,454+10.2% | $5,630-32.4% | $4,299-11.5% |
| Admin fee / account holder | $836 | $7,999-89.5% | $15,900-94.7% | $6,924-87.9% |