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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 | $98,820 | $104,251-5.2% | $91,004+8.6% | $147,586-33.0% |
| Participation rate | 100.0% | 78.2%+21.8pp | 75.6%+24.4pp | 82.8%+17.2pp |
| Annual return | 11.53% | 27.06%-15.5pp | 4.60%+6.9pp | 578.59%-567.1pp |
| Employer contribution / active EE | $1,239 | $3,116-60.2% | $2,456-49.5% | $4,876-74.6% |
| Participant deferral / active EE | $1,740 | $4,195-58.5% | $3,548-50.9% | $5,439-68.0% |
| Admin fee / account holder | $1,802 | $8,948-79.9% | $5,417-66.7% | $10,886-83.4% |