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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 | $90,865 | $86,949+4.5% | $102,460-11.3% | $80,959+12.2% |
| Participation rate | 100.0% | 72.4%+27.6pp | 76.5%+23.5pp | 67.7%+32.3pp |
| Annual return | 12.64% | 18.89%-6.3pp | 29.47%-16.8pp | 35.67%-23.0pp |
| Employer contribution / active EE | $2,123 | $2,370-10.4% | $3,025-29.8% | $2,757-23.0% |
| Participant deferral / active EE | $6,094 | $4,121+47.9% | $5,056+20.5% | $4,300+41.7% |
| Admin fee / account holder | $3,501 | $8,048-56.5% | $9,460-63.0% | $6,925-49.5% |