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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 | $95,577 | $99,345-3.8% | $84,753+12.8% | $273,972-65.1% |
| Participation rate | 100.0% | 80.7%+19.3pp | 76.6%+23.4pp | 83.0%+17.0pp |
| Annual return | 8.22% | 22.93%-14.7pp | 22.78%-14.6pp | 41.46%-33.2pp |
| Employer contribution / active EE | $8,553 | $4,214+103.0% | $3,574+139.3% | $4,869+75.7% |
| Participant deferral / active EE | $4,636 | $4,270+8.6% | $3,712+24.9% | $5,287-12.3% |
| Admin fee / account holder | $2,971 | $6,645-55.3% | $5,333-44.3% | $10,133-70.7% |