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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 | $116,917 | $88,707+31.8% | $74,184+57.6% | $273,972-57.3% |
| Participation rate | 100.0% | 79.4%+20.6pp | 76.6%+23.4pp | 83.0%+17.0pp |
| Annual return | 3.42% | 11.94%-8.5pp | 17.74%-14.3pp | 41.46%-38.0pp |
| Employer contribution / active EE | $9,545 | $3,159+202.1% | $2,370+302.7% | $4,869+96.1% |
| Participant deferral / active EE | $1,433 | $4,212-66.0% | $3,550-59.6% | $5,287-72.9% |
| Admin fee / account holder | $628 | $8,717-92.8% | $5,586-88.8% | $10,133-93.8% |