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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 | $129,023 | $96,956+33.1% | $69,779+84.9% | $273,972-52.9% |
| Participation rate | 100.0% | 77.1%+22.9pp | 71.8%+28.2pp | 83.0%+17.0pp |
| Annual return | 6.26% | 12.93%-6.7pp | 12.99%-6.7pp | 41.46%-35.2pp |
| Employer contribution / active EE | $8,197 | $3,316+147.2% | $2,338+250.6% | $4,869+68.4% |
| Participant deferral / active EE | $5,441 | $3,744+45.3% | $2,931+85.7% | $5,287+2.9% |
| Admin fee / account holder | $459 | $7,934-94.2% | $4,381-89.5% | $10,133-95.5% |