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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 | $149,666 | $69,444+115.5% | $92,985+61.0% | $87,485+71.1% |
| Participation rate | 100.0% | 63.3%+36.7pp | 69.5%+30.5pp | 68.9%+31.1pp |
| Annual return | 21.28% | 23.85%-2.6pp | 27.99%-6.7pp | 26.06%-4.8pp |
| Employer contribution / active EE | $5,194 | $1,917+170.9% | $2,662+95.1% | $2,596+100.0% |
| Participant deferral / active EE | $2,379 | $3,364-29.3% | $4,377-45.7% | $4,274-44.3% |
| Admin fee / account holder | $988 | $6,137-83.9% | $9,463-89.6% | $7,775-87.3% |