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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 | $225,894 | $88,583+155.0% | $88,497+155.3% | $273,970-17.5% |
| Participation rate | 100.0% | 83.5%+16.5pp | 82.4%+17.6pp | 83.0%+17.0pp |
| Annual return | 4.02% | 5.68%-1.7pp | 7.63%-3.6pp | 41.46%-37.4pp |
| Employer contribution / active EE | $8,274 | $4,502+83.8% | $4,036+105.0% | $4,869+69.9% |
| Participant deferral / active EE | $4,349 | $4,891-11.1% | $4,899-11.2% | $5,287-17.7% |
| Admin fee / account holder | $8,637 | $8,980-3.8% | $6,220+38.9% | $10,132-14.8% |