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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 | $97,616 | $101,795-4.1% | $165,100-40.9% | $80,959+20.6% |
| Participation rate | 100.0% | 71.8%+28.2pp | 78.6%+21.4pp | 67.7%+32.3pp |
| Annual return | 12.35% | 16.73%-4.4pp | 70.21%-57.9pp | 35.67%-23.3pp |
| Employer contribution / active EE | $3,919 | $2,954+32.7% | $4,348-9.9% | $2,757+42.2% |
| Participant deferral / active EE | $6,919 | $4,476+54.6% | $6,035+14.6% | $4,300+60.9% |
| Admin fee / account holder | $12,844 | $8,221+56.2% | $12,696+1.2% | $6,925+85.5% |