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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 | $81,815 | $81,476+0.4% | $102,383-20.1% | $80,925+1.1% |
| Participation rate | 100.0% | 66.8%+33.2pp | 74.5%+25.5pp | 67.7%+32.3pp |
| Annual return | 18.08% | 25.59%-7.5pp | 24.94%-6.9pp | 35.65%-17.6pp |
| Employer contribution / active EE | $7,967 | $3,105+156.6% | $3,870+105.9% | $2,756+189.1% |
| Participant deferral / active EE | $3,057 | $3,871-21.0% | $5,060-39.6% | $4,299-28.9% |
| Admin fee / account holder | $7,468 | $6,717+11.2% | $8,391-11.0% | $6,940+7.6% |