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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 | $112,254 | $96,956+15.8% | $69,779+60.9% | $273,972-59.0% |
| Participation rate | 100.0% | 77.1%+22.9pp | 71.8%+28.2pp | 83.0%+17.0pp |
| Annual return | 1.65% | 12.93%-11.3pp | 12.99%-11.3pp | 41.46%-39.8pp |
| Employer contribution / active EE | $4,739 | $3,316+42.9% | $2,338+102.7% | $4,869-2.7% |
| Participant deferral / active EE | $4,950 | $3,744+32.2% | $2,931+68.9% | $5,287-6.4% |
| Admin fee / account holder | $4,776 | $7,934-39.8% | $4,381+9.0% | $10,133-52.9% |