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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 | $99,260 | $96,956+2.4% | $69,779+42.2% | $273,972-63.8% |
| Participation rate | 100.0% | 77.1%+22.9pp | 71.8%+28.2pp | 83.0%+17.0pp |
| Annual return | 8.96% | 12.93%-4.0pp | 12.99%-4.0pp | 41.46%-32.5pp |
| Employer contribution / active EE | $1,728 | $3,316-47.9% | $2,338-26.1% | $4,869-64.5% |
| Participant deferral / active EE | $2,998 | $3,744-19.9% | $2,931+2.3% | $5,287-43.3% |
| Admin fee / account holder | $2,184 | $7,934-72.5% | $4,381-50.1% | $10,133-78.4% |