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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 | $97,062 | $76,551+26.8% | $123,894-21.7% | $62,881+54.4% |
| Participation rate | 100.0% | 73.0%+27.0pp | 81.4%+18.6pp | 69.3%+30.7pp |
| Annual return | 10.37% | 18.68%-8.3pp | 47.52%-37.1pp | 20.14%-9.8pp |
| Employer contribution / active EE | $3,414 | $2,882+18.4% | $4,617-26.1% | $2,281+49.7% |
| Participant deferral / active EE | $6,945 | $4,840+43.5% | $5,984+16.1% | $3,203+116.8% |
| Admin fee / account holder | $2,867 | $4,826-40.6% | $8,357-65.7% | $4,296-33.3% |