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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 | $78,734 | $78,988-0.3% | - | $273,965-71.3% |
| Participation rate | 100.0% | 74.5%+25.5pp | - | 83.0%+17.0pp |
| Annual return | 11.70% | 18.48%-6.8pp | - | 41.45%-29.8pp |
| Employer contribution / active EE | $2,131 | $4,066-47.6% | - | $4,869-56.2% |
| Participant deferral / active EE | $6,344 | $3,397+86.8% | - | $5,287+20.0% |
| Admin fee / account holder | $700 | $13,270-94.7% | - | $10,132-93.1% |