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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 | $127,671 | $88,707+43.9% | $74,184+72.1% | $273,972-53.4% |
| Participation rate | 100.0% | 79.4%+20.6pp | 76.6%+23.4pp | 83.0%+17.0pp |
| Annual return | 8.94% | 11.94%-3.0pp | 17.74%-8.8pp | 41.46%-32.5pp |
| Employer contribution / active EE | $13,487 | $3,159+326.9% | $2,370+469.1% | $4,869+177.0% |
| Participant deferral / active EE | $8,423 | $4,212+100.0% | $3,550+137.3% | $5,287+59.3% |
| Admin fee / account holder | $578 | $8,717-93.4% | $5,586-89.7% | $10,133-94.3% |